What you pay for auto insurance varies by:
1. What you buy
The coverages you buy
The deductibles
2. What kind of car you drive
Generally, the more expensive the car, the more you pay.
If you’re shopping for a car, consider how your choice will affect premiums. Some insurers increase premiums for cars more susceptible to damage or occupant injury, and lower rates for those that fare better than the norm.
3. Where you drive
Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay more for insurance than those in small towns or rural areas.
4. How much you drive
People who use their car for business and long-distance commuting normally pay more than those who drive less.
5. Your driving record
Drivers who cause accidents generally must pay more than those who are accident-free for several years.
What can I do to save money on my auto insurance?
Choose a car that costs less to insure.
Consider joining a car or van pool, or finding other transportation to work. If you reduce your driving mileage enough, you may lower your premiums.
Drive carefully.
You may be eligible for a discount!
Ask about discounts for good students, having more than one car insured, accident-free driving, and others.
Please select a province to learn more about the specific discounts available in your area:
Sabtu, 04 September 2010
Rabu, 14 April 2010
Online insurance policies and settling an auto accident claim
Generally speaking, negotiating settlements with an insurer is the same whether you purchased your policy from an agent or online. The largest insurers offering online policy purchasing , such as Geico, Progressive and esurance.com, have adjusters who will be assigned to you when making a claim and negotiating settlements. Online insurers generally have adjusters all over the country and may use outside adjusters to serve you. If you’re one of the few who still head down to your local insurance agent’s office to do this, buying a policy online might not be
Buying insurance policies online is still a relatively new concept and admittedly, there are still kinks that need to be ironed out. As such, make sure that your insurance contract specifies how your insurer will handle claims, adjuster issues and settlements. Also, check out the insurer’s customer satisfaction ratings to see what kind of service others have received. For company reviews, see the Free Advice Insurance Center.
Buying insurance policies online is still a relatively new concept and admittedly, there are still kinks that need to be ironed out. As such, make sure that your insurance contract specifies how your insurer will handle claims, adjuster issues and settlements. Also, check out the insurer’s customer satisfaction ratings to see what kind of service others have received. For company reviews, see the Free Advice Insurance Center.
Minggu, 11 April 2010
Auto Insurance Quotes - Free Car Insurance Estimates
No matter where you live, if you drive a car, you need auto insurance coverage. Auto insurance quotes and free car insurance estimates are easily available from Allstate. Car insurance requirements vary from state to state - finding out more about your state coverage requirements is your first step towards researching and purchasing your coverage.
Your auto insurance rate is adjustable through your coverage limits and your deductible amounts. There are a number of other factors that affect the price of insurance, including your driving history, your age, and the type of car you drive. One of the best money-saving tactics is to combine your car insurance policy with other insurance such as your home or renters insurance plan in order to get a deal on both. Whatever your needs, Allstate agents can help you find a plan that fits into your budget.
Auto insurance discounts are available depending on what kind of car you drive, where you live, or the safety features your car has. We provide discounts to students, seniors, and retirees. If you drive a new car, economy car, or utility vehicle, you may be eligible for further discounts. Even the type of safety system your car has can make you eligible for car insurance discounts. For example, discounts may be applicable if your car has passive restraint systems, anti-lock brakes, or anti-theft devices.
We also offer car insurance discounts to those who have been accident-free with no moving violations in the last three years. Our best auto insurance discount is for drivers who have been accident-free for five years and who have no moving violations. Drivers age 55 and up can also save on premiums by taking defensive driving classes.
There are a number of different insurance policy options available to help you get the complete auto insurance coverage you need. We offer liability and medical protection including insurance to protect you from those with little or no insurance. Our vehicle protection plans help protect you through collision coverage and comprehensive coverage options. Additional protection can also be extended to you to protect you from a variety of personal injuries such as lost income, child care expenses, and medical expenses.
Allstate also provides specialized insurance for young drivers with our teen driver insurance plans. You can find out more about graduated driver licensing laws in your state on our site. These graduated driver licensing laws help teens to gain driving experience and learn how to safely navigate the roads. If you want to learn more about ways you can help protect teen drivers, visit the Allstate Teen Driver website.
*Check option is an enhancement to Existing Safe Driving Bonus® and is NOW AVAILABLE IN OR COMING SOON to states Your Choice Auto is offered (subject regulatory approval). For some states, may not be available to renewal customers until next policy period.
The Allstate Easy Pay Plan is required with the Allstate Value Plan. Your premium is automatically deducted from your checking or savings account. Please note: you will not be eligible for any accident waiver while the Allstate Value Plan is part of your policy. Plan details may vary by state.
Your Choice Auto® Accident Forgiveness, Deductible RewardsSM, Safe Driving Bonus®, and New Car Replacement are optional and subject to terms andconditions. NOT AVAILABLE IN EVERY STATE. Patent Pending. Deductible Rewards apply to collision coverage. In NY and PA, deductible amount will not go below $100. In NY, Safe Driving Bonus® is a discount. Safe Driving Bonus® is based on eligible premium for prior policy period (except in NY), and won't apply after an accident. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. Allstate New Jersey Property and Casualty Insurance Company, Bridgewater, NJ. Allstate County Mutual Insurance Company, Irving, TX.
The Allstate Easy Pay Plan is required with the Allstate Value Plan. Your premium is automatically deducted from your checking or savings account. Please note: you will not be eligible for any accident waiver while the Allstate Value Plan is part of your policy. Plan details may vary by state.
Your Choice Auto® Accident Forgiveness, Deductible RewardsSM, Safe Driving Bonus®, and New Car Replacement are optional and subject to terms andconditions. NOT AVAILABLE IN EVERY STATE. Patent Pending. Deductible Rewards apply to collision coverage. In NY and PA, deductible amount will not go below $100. In NY, Safe Driving Bonus® is a discount. Safe Driving Bonus® is based on eligible premium for prior policy period (except in NY), and won't apply after an accident. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. Allstate New Jersey Property and Casualty Insurance Company, Bridgewater, NJ. Allstate County Mutual Insurance Company, Irving, TX.
Service and cover
Service and cover
1. Can I change or view my policy online?
No. Our Customer Service pages are temporarily unavailable whilst we upgrade our online services. We apologise for any inconvenience this may cause and aim to have them available later this year.
2. Can I have an annual green card and is it free?
Yes, you can have an annual green card that is free of charge. However, this only gives you the minimum cover in the country you are driving in (I.e. the equivalent or less than the UK’s Third Party Only insurance), but you can extend your policy to allow the same cover you enjoy in the UK (I.e Comprehensive or Third Party Fire and Theft) by paying an additional charge. This is called a Foreign Use Extension.
To counter weekend or short trips, we do allow trips for 3 days or less free of charge. We allow a maximum of 90 days’ Foreign Use per policy year.
Please call us to arrange your cover.
3. Does my policy cover me to drive other cars?
It may well do. Each policy differs depending on customer requirements. We do not automatically insure you to drive other cars so you should check your Certificate of Motor Insurance to see if you are covered.
4. How do I amend my car insurance policy?
Please call us to check or change your details.
5. If my vehicle is in a garage and I need to cover a hire car under my insurance, can I add it on?
You can hire a car and cover it under your car insurance if your car is in a garage. The hire car can be used in the event of an accident, fire or theft claim. Just contact us with full details of the vehicle and the duration it is to be covered and we will add the vehicle on for you. A small charge may be made dependent on the vehicle details.
6. Can I temporarily add a driver to my car insurance?
You can temporarily add a driver to your car insurance. Please contact us with full details of the additional driver and we will add the driver for you. The charge will be dependent on the details of the risk.
7. Why haven't I received a cover note for my car insurance policy?
We do not issue cover notes, only Certificates of Insurance for the period of cover. These are sent out within four working days of the policy being accepted. We issue a confirmation email that is sent to you after accepting a policy on the Internet. This is usually sent to you within 24 hours.
8. How can I view the car insurance policy documents?
The car insurance policy documents are available to read online on this website.
9. I normally receive my certificate with my renewal but I haven't this year. Where is it?
When you receive your renewal letter, please read the "What to do now" box on the left hand side. If your policy is due to renew automatically, please check all your details are correct. If anything needs changing, please contact us. Your new certificate of insurance will then be sent to you after your renewal date.
10. Can I get a copy of my car insurance certificate?
Please call our customer service department to request this.
11. If my car is going to be off the road, can I freeze my insurance payments?
You are able to change the level of cover you have. If the car is not going to be used we can reduce your cover to Accidental Damage, Fire & Theft or just Fire and Theft only - this is known as a laid-up policy. We require that the car is kept in a locked garage, you have no road use whatsoever and the Certificate of Insurance must be returned. The premium will be adjusted to reflect the reduction in cover.
Alternatively we can suspend the cover completely. Payments will need to be taken, however providing your suspension exceeds 28 days we will offer a return premium for the time you have spent on suspension in excess of this period. Please remember that if your car is off the road you need to inform the DVLA and request a SORN (Statutory Off-Road Notification) certificate.
12. Do I get a refund if I sell my car after paying my insurance premium?
When you buy your policy
If you cancel before your policy is due to start, we will return any premium paid in full. Please return the certificate of motor insurance.
If the policy has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid less an administration fee of £26.25 (including Insurance Premium Tax where applicable). We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of £26.25 (including Insurance Premium Tax where applicable). We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance. This fee is to off set the administrative costs of providing the policy.
When you renew your policy:
If you cancel before the new period of insurance (renewal) is due to start, we will return any premium paid in full. Please return the certificate of motor insurance.
If the new period of insurance (renewal) has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid in full. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of £26.25 (including Insurance Premium Tax where applicable). We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
This fee is to off set the administrative costs of providing the policy.
13. Can I use a hands free kit with my mobile phone when driving?
It is illegal to hold a hand held mobile phone or similar device while driving a motor vehicle. It is also illegal to hold a mobile phone and use it for texting, internet access or video operation while driving a motor vehicle. There are various penalties imposed if you get caught.
Provided that a mobile phone can be operated without holding it, a hands-free kit with a mobile phone is not prohibited by the regulation.
However, hands-free kits can be distracting and you risk prosecution for failing to have proper control of a vehicle if you use a hands free kit when driving. If there is an incident, the use of a hands free kit with a mobile phone might result in charges of careless or dangerous driving.
Further information about the use of mobile phones when driving can be obtained on the Department for Transport website.
1. Can I change or view my policy online?
No. Our Customer Service pages are temporarily unavailable whilst we upgrade our online services. We apologise for any inconvenience this may cause and aim to have them available later this year.
2. Can I have an annual green card and is it free?
Yes, you can have an annual green card that is free of charge. However, this only gives you the minimum cover in the country you are driving in (I.e. the equivalent or less than the UK’s Third Party Only insurance), but you can extend your policy to allow the same cover you enjoy in the UK (I.e Comprehensive or Third Party Fire and Theft) by paying an additional charge. This is called a Foreign Use Extension.
To counter weekend or short trips, we do allow trips for 3 days or less free of charge. We allow a maximum of 90 days’ Foreign Use per policy year.
Please call us to arrange your cover.
3. Does my policy cover me to drive other cars?
It may well do. Each policy differs depending on customer requirements. We do not automatically insure you to drive other cars so you should check your Certificate of Motor Insurance to see if you are covered.
4. How do I amend my car insurance policy?
Please call us to check or change your details.
5. If my vehicle is in a garage and I need to cover a hire car under my insurance, can I add it on?
You can hire a car and cover it under your car insurance if your car is in a garage. The hire car can be used in the event of an accident, fire or theft claim. Just contact us with full details of the vehicle and the duration it is to be covered and we will add the vehicle on for you. A small charge may be made dependent on the vehicle details.
6. Can I temporarily add a driver to my car insurance?
You can temporarily add a driver to your car insurance. Please contact us with full details of the additional driver and we will add the driver for you. The charge will be dependent on the details of the risk.
7. Why haven't I received a cover note for my car insurance policy?
We do not issue cover notes, only Certificates of Insurance for the period of cover. These are sent out within four working days of the policy being accepted. We issue a confirmation email that is sent to you after accepting a policy on the Internet. This is usually sent to you within 24 hours.
8. How can I view the car insurance policy documents?
The car insurance policy documents are available to read online on this website.
9. I normally receive my certificate with my renewal but I haven't this year. Where is it?
When you receive your renewal letter, please read the "What to do now" box on the left hand side. If your policy is due to renew automatically, please check all your details are correct. If anything needs changing, please contact us. Your new certificate of insurance will then be sent to you after your renewal date.
10. Can I get a copy of my car insurance certificate?
Please call our customer service department to request this.
11. If my car is going to be off the road, can I freeze my insurance payments?
You are able to change the level of cover you have. If the car is not going to be used we can reduce your cover to Accidental Damage, Fire & Theft or just Fire and Theft only - this is known as a laid-up policy. We require that the car is kept in a locked garage, you have no road use whatsoever and the Certificate of Insurance must be returned. The premium will be adjusted to reflect the reduction in cover.
Alternatively we can suspend the cover completely. Payments will need to be taken, however providing your suspension exceeds 28 days we will offer a return premium for the time you have spent on suspension in excess of this period. Please remember that if your car is off the road you need to inform the DVLA and request a SORN (Statutory Off-Road Notification) certificate.
12. Do I get a refund if I sell my car after paying my insurance premium?
When you buy your policy
If you cancel before your policy is due to start, we will return any premium paid in full. Please return the certificate of motor insurance.
If the policy has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid less an administration fee of £26.25 (including Insurance Premium Tax where applicable). We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of £26.25 (including Insurance Premium Tax where applicable). We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance. This fee is to off set the administrative costs of providing the policy.
When you renew your policy:
If you cancel before the new period of insurance (renewal) is due to start, we will return any premium paid in full. Please return the certificate of motor insurance.
If the new period of insurance (renewal) has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid in full. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of £26.25 (including Insurance Premium Tax where applicable). We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
This fee is to off set the administrative costs of providing the policy.
13. Can I use a hands free kit with my mobile phone when driving?
It is illegal to hold a hand held mobile phone or similar device while driving a motor vehicle. It is also illegal to hold a mobile phone and use it for texting, internet access or video operation while driving a motor vehicle. There are various penalties imposed if you get caught.
Provided that a mobile phone can be operated without holding it, a hands-free kit with a mobile phone is not prohibited by the regulation.
However, hands-free kits can be distracting and you risk prosecution for failing to have proper control of a vehicle if you use a hands free kit when driving. If there is an incident, the use of a hands free kit with a mobile phone might result in charges of careless or dangerous driving.
Further information about the use of mobile phones when driving can be obtained on the Department for Transport website.
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