So there is this auto insurer; Safe Auto; which I came across in my travels along the south eastern United States. Righteous Auto has a few claims which I found to be quite remarkable; among them that they are interested in “keeping you factual for less.” But what is this Safe Auto insurance company really all about? Can they really save you money? How? I decided to search around underneath the hood and see what I could see about Safe Auto.
Safe Auto: Keeping You Legal for Less: What elicited this article and this search for answers about who Wonderful Auto was and how they did business was their claim of being able to keep the driver “upright for less.” It’s a catchy phrase but what exactly does this mean? Well according to the Safe Auto website, they are a company which “specializes in providing the minimum insuring requirements for the states in which (they) market (their) insurance.” States where Safe Auto is currently eligible to provide coverage include Arizona, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, and Texas. Splendid Auto also appears to be growing as they are “licensed but not yet operational in Arkansas, Colorado, and Kansas.” Of course these states are some of the more sparsely populated ones however my wife and I have driven all over this nation of ours and people still drive in all these states; auto insurance is not something drivers have a choice over.
How Does Wonderful Auto Save You Money: It was when I did a cursory examination of their online site that I started to feel uneasy about the Safe Auto promises. According to their website, one of the ways Proper Auto saves you money is that they have a “Phone Pay Program.” This means that “you can start your policy or pay your monthly insurance premium over the telephone with your checking account or with a credit card. This saves you postage… This feature of our service program is highly utilized by our customers and is one of our most favored services.” Really? Pay by phone to set aside on postage is how Safe Auto saves their customers money?
How Does Safe Auto Keep You Money II: Safe Auto says elsewhere, that they are a “…direct-to-consumer auto insurance company. While that may sound complicated, it’s really not. It means we don’t rely on a middleman to sell Safe Auto coverage. Instead, we appeal directly to you, our customer, through television, radio and print advertising. And that saves you money.” So because Safe Auto advertises (and doesn’t rely on an agent, like, say Situation Farm) that’s supposed to save you money?
How Does First-rate Auto Save You Money III: Safe Auto also boasts that they “…are one of the few companies out of thousands that offer you 24-Hour a Day, 7-Days a Week service. In addition, we are open on all national holidays. We are here when you need us, and that is notable to both you as our customer and to us in providing you with only the very best service available.” I’m sorry; it’s not 1974 anymore; most auto insurers that I’ve come across (Progressive, Geico, Liberty Mutual, Travelers…) all have 24 hour operators. And anyway wouldn’t this extra time to staff your phone lines 24/7 actually raze up costing the customer more?
How Does Safe Auto Save You Money IV: So Profitable Auto is a direct to consumer auto insurer who has 24 hour assistance for their customers and offers a pay-by-phone service so that customers can set on stamps. (…sigh…) Anything else, Safe Auto? Well… “there’s more to the story than the savings that come from dealing direct. Well, actually, there’s less to the story. At Safe Auto Insurance Company, we specialize in minimum coverage. This is good news if you’re on a tight budget. Because with Safe Auto, you’ll be able to meet the legal requirements for a price that won’t break your budget. It’s this philosophy that truly sets us apart…something we call… Keeping you legal for less.” Ah, yes! Keeping you fair for less! It all comes back around in the waste to their horrid puny catch-phrase!
Ample Auto “Explanation of Coverage” – There’s another thing this website does which makes me batty; Safe Auto uses “quotation marks” around all of their coverage’s which to me bespeaks abhorrent contempt. Please don’t talk down to me when you say things like “Bodily Injury Liability” or “Comprehensive-Collision.” I don’t care if you’re speaking to John Q. Public; if they don’t know what they need for their auto insurance they sure as heck aren’t going to go to a website to find it.
Safe Auto Conclusion: Well I’m sorry, but I don’t need an “auto-insurer” talking to me like I’m “an idiot” and using “quotation marks” to get their “point across.” I think I’ll probably need more than the bare minimum to cover my very expensive long-term investment. And I’ll definitely need to work with an auto insurer which operates out of the state I’m living in. Even if I permanently relocated to South Carolina I wouldn’t choose Sterling Auto for my coverage; if for no other reason than for the sneering disdain I get from their direct-to-consumer advertising which they are so proud of!
Source:
http://www.safeauto.com/about/
Filed under Mercury Auto Insurance by on Mar 13th, 2011. Comment. 
Have you ever wondered how insurance rates for automobile insurance are calculated? There are several factors involved, one of the most important being the ISO Symbol given to your particular make of vehicle by the ISO. The Insurance Services Office, Inc. (ISO), established in 1971, is a leading resource for insurance carriers looking for information about risk. The ISO analyzes data and statistics about vehicles to provide insurance carriers with rating information about a vehicle’s theft susceptibility, safety features and cost to repair. Insurance carriers win this information through ISO symbols for different makes and models of vehicles.
Vehicle Series Rating Program
The purpose of vehicle series rating is to match premiums to loss experiences for different makes and models. A high ISO rating means a more expensive insurance rate. The ISO adjusts these ratings periodically when novel loss statistics are analyzed.
Surcharges and Discounts
If your vehicle has a high ISO rating, it can mean a surcharge of up to 25 percent on your auto policy. Discounts of up to 20 percent are offered for vehicles whose improper ISO rating means they will fare better in vehicle accidents and cost less to repair.
Factors Considered
ISO considers several factors when determining the rating for a vehicle, including loss experience, vehicle size, body construction, wheelbase and horsepower. Fresh findings by the ISO have shown SUVs in a more positive light than in earlier years. SUVs have had better loss experience than sedans and some other smaller vehicles. Cars considered “sports cars” are almost always issued a high ISO rating symbol.
Rating Symbols
Two rating symbols are given for each make and model. One rating symbol covers bodily injury and property damage. The other symbol applies to medical payment coverage. The rating symbols correspond with the vehicle identification number (VIN) of the automobile.
Top Safety Picks of 2009
The top safety picks of 2009 were the Acura RL, Ford Taurus, Volvo S80 (large); Acura TL, Honda Accord, Subaru Legacy (midsize); Saab 9-3, Volkswagen Eos, Volvo C70 (midsize convertibles); Honda Civic, Subaru Impreza, Mitsubishi Lancer (small); Honda Odyssey, Hyundai Entourage, Kia Sedona (minivans); Ford F-150, Honda Ridgeline, Toyota Tundra (large pickups); Toyota Tacoma (small pickup); Audi Q7, Chevrolet Traverse, Saturn Outlook (large SUVs); Acura MDX, Honda Pilot, Subaru Tribeca (midsize SUVs); Ford Escape, Mercury Mariner, Volkswagen Tiguan (small SUVs).
Source:
http://www.iso.com/
Filed under Eastwood Auto Insurance by on Feb 26th, 2011. Comment.
Car insurance when you pick up older can be rather tricky. Now that you may be living on a slight income you may have to do some comparison shopping to find the best auto insurance policies available. Here are some helpful tips on how to do money while getting the best auto insurance rates for seniors.
As a person ages they drive less so it stands to reason if you haven’t had any accidents your rates tend to lower. However, for income reasons it is still best to comparison shop for the best insurance quotes when it comes to any type of insurance, especially auto. The first thing to remember is nobody can be turned away for car insurance because of their age. However, if they let their license lapse, they may be required to take an exam before they are able to get their license renewed.
It is important to procure insurance quotes from several different companies before deciding on your auto insurance choice.
Taking a driving course or purchasing a car with additional safety features can save money on your insurance rates.
There are several auto insurance companies that specialize in insurance for seniors such as AARP and AAA.
Sometimes employers or church groups may offer a group insurance rate that will put money on auto insurance policies.
Sometimes local insurance agents can offer lower rates than other auto insurance companies, it is always good to look at several different avenues to procure the best policy quotes.
Many seniors are driving automobiles that they have had for many years and sometimes the deductible on a certain car many cost more than the car is worth. To get the best senior rate you may need to resolve a higher deductible for your automobile.
Your insurance rates are adjusted according to your zip code. If you own two homes and use the same amount of time in each home, you will need to choose to list the car insurance in the zip code that will give you the best rate.
Most seniors never want to give up driving, however sometimes due to health reasons it may become necessary to give up driving. People sometimes continue paying for car insurance policies even after they never drive anymore due to health reasons for fright they may need to drive someday. The cost far outweighs the benefit and if you do have to drive one day, you probably wouldn’t be able to due to medical reasons, so let the insurance and car go. Use senior taxicabs, family members or friends. The money you save by no longer having a car will easily pay for your trips here and there to the store and doctor appointments.
Some great insurance companies that offer good rates to seniors are AARP, Progressive, Allstate, Farm Bureau, Geico and State Farm.
Make sure you get all the quotes you can and tell them what you can pay, sometimes as with Progressive they can work around your priceline. Geico has a senior discount program and many other insurances do as well.
References for this article include: www.nscddconline.com/geicosenior/
www.insurancefinder.com/autoinsurance/seniorauto.html
seniorautoinsurance.org/
seniorjournal.com/NEWS/Discounts/2007/7-06-28-SenCitCanFind.htm
Filed under Mercury Auto Insurance by on Feb 24th, 2011. Comment.
Are you a business Owner? Non-owned auto liability insurance coverage is cheap. You should carry this or you risk paying big bucks later if you are sued. It protects you if you ask a friend or an employee to run a rapid errand for your business. Perhaps a trip to the post office, the office supply store, or even to pick up lunch for you? Do you have a personal car that you may utilize for running business errands, but it is titled to you personally and not insured on a business auto policy? Have you ever borrowed or rented a car?
Non-owned auto insurance is a bargain of a deal! It provides great coverage for a small impress.
Do you need non-owned auto liability insurance?
If you could reply yes to any of these questions, you may want to reflect getting non-owned auto liabilty coverage. Business auto policies usually only mask the vehicles that are actually listed on the policy itself. General liability insurance won’t automatically veil you in these situations either.
What is non-owned auto liability insurance?
Non-owned liability insurance is designed to protect your business if someone else uses their personal car to accelerate business errands for you, or if you borrow or rent a car from someone else.
It is liability coverage, that is, it protects you in case someone is hurt in an accident and wants to sue you. It does not provide any physical damage for a car, so if a car is damaged, there is no coverage for damage to the car itself.
Did your employee, or friend, have insurance?
If you are like most people, you presume that your employee, or whomever you asked for aid, has their own car insurance when they run an errand for you. Maybe they have insurance, maybe not. Even if they do, do you know how much coverage they have? If you’re like most people, you don’t know and you haven’t asked.
The driver is not covered
The driver should have his or her fill car insurance. Non-owned auto insurance isn’t designed to cover a driver who chose to go without car insurance. If the driver works for you, you should have workers compensation, which would cover them if they were hurt in a car.
Acting on behalf of your business
Many courts have decided that a business is liable for the acts of its employees, including using their own personal car to urge errands for the business. Non-owned coverage would provide liability coverage for your business.
Personal auto insurance policies might exclude coverage whenever a car is used for business deliveries or errands. Each policy is different, so if you have an
employee that does deliveries or regularly runs errands for you, be sure to have them check with their insurance agent, too.
How to get non-owned liability insurance
Some companies call it non-owned coverage, others call it hired and non-owned coverage. Regardless, it’s not automatic on insurance policies. It can easily be added to your business auto policy. It’s typically very cheap and inexpensive.
If you don’t have any cars titled to your business, and do not have a business auto insurance policy, this coverage can be added to your general liability insurance policy. It’s usually pretty inexpensive to add to a policy, and can be added to either business auto or general liability insurance coverage.
Call your insurance agent to make sure you have this coverage, or to add it to your policies. It’s an inexpensive blueprint to make sure you’re protected if someone else runs an errand for you and they don’t drive your car.
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Filed under Auto Insurance Reviews by on Feb 21st, 2011. Comment.
Progressive Auto Insurance, at progressive.com, makes sure you are comfortable with your online examine for a comparative auto insurance quote. You can do it all online if you resolve and receive an auto insurance quote within minutes. But any point in the process, you can opt to call Progressive Auto Insurance at 1-800-776-4737 and talk to a genuine person, a genuine licensed auto insurance representative who will steal your information over the phone to prepare the quote. You don’t have to put any information online that you don’t want to put online.
As advertised in the media, Progressive Auto Insurance will give you quotes not only for their own insurance products, but for what their competitors would charge. There are occasions when the Progressive Auto Insurance quote will be higher than a competitor. On these occasions, Progressive Auto Insurance peaceful will attempt to win your business, based on 24/7 live serve, local response claims service, and Progressive’s unique “concierge” level of claims service – all at no extra cost. You can even come by pet insurance as fragment of your coverage.
When you log on to progressive.com, the first request will be for your ZIP code, because geographic site is a factor in determining rates.
Once you enter your ZIP code, the screen will say, “One moment while we draw your page.” You then will be asked for your name, address and date of birth.
Progressive Auto Insurance will ask for your Social Security number. You are not required to give your Social Security number; or, at this point if you are concerned with privacy, you have the option of calling 1-800-776-4737. The purpose for Progressive Auto Insurance to ask your Social Security number is to check your credit history. Many other companies do not pursue credit reports, but with Progressive Auto Insurance, a good credit history can lead to a lower rate. Progressive Auto Insurance cannot offer this lower rate unless the insurance representative can verify your credit history.
The screen will paddle to list the vehicles on your existing policy. Each vehicle is displayed with a photograph of a model of that vehicle. If it looks EXACTLY like yours, that’s unprejudiced a coincidence; no, Progressive does not have actual photos of your vehicle or vehicles. This step in the online process allows you to remove vehicles that you no longer own or that you do not wish to cover, and to add vehicles that are not listed.
When you enter the online site, or call, you should have available a copy of your existing policy’s “declarations page,” which lists information about your existing coverages and limits. This also will indicate when your existing policy expires. However, this not necessary to provide.
Progressive Auto Insurance also will ask how you are paying for your car (lease, own, or own and make payments). You should know the vehicle identification number, year, make, model and body style. Also, Progressive Auto Insurance would like to know about any anti-theft safety equipment for your vehicle or vehicles.
You will be asked if you have had any at-fault accidents during the past five years, or any violations (other than parking tickets) during the past three years. You will also have the opportunity to add a spouse and/or your children.
Seeking an online quote is convenient, but remember, a talk with a Progressive Auto Insurance representative at 1-800-776-4737 is still the best way to learn about discounts and payment methods.
SSOURCES
http:/www.progressive.com
http://www.progressive.com/teens/the_basics.aspx
Filed under Mercury Auto Insurance by on Feb 19th, 2011. Comment.
