general casualty auto insurance Took their advice - claim process

After being a loyal (and accident free) customer for five years... I was rear ended. The other driver was at fault. All was fine at first. They processed my claim to get repairs quickly, and I paid my deductible. When it came time to get my deductible reimbursment from the other drivers insurance it went down hill.

First they neglected to request my accident report from the police. Three times! After 2 months and countless phone calls I had to go to the station and get it (and pay for it) myself. Once they had that I continued to get the run around about whether or not they had contacted the other company and filed a claim. Finally, I found out my original agent had been let go. The new one had no idea I was even waiting for a claim. Nearly a year later, I physically went to the office. No agent would speak to me. I was told everyone was at lunch (the entire office?). I was advised by a receptionist who tried to dig up my file for me that I should contact the other company myself because they were "unable to process my claim". I took their advice. The same day I contacted the other company. Within 2 days I had begun my claim process and dropped Progressive. For the other company. At a cheaper premium. With better coverage. And an agent who does business face to face.

read more...

Reviewing Your Personal Driving Record

The responsible driver checks their driving record at least every 2-3 years. Your driving record can affect how much you pay for your car insurance policy. Knowing how many violations are on it or whether you have an ideal driving record is valuable knowledge. To find the lowest rates on a new policy use our online quote from to compare offers and save. If you’ve got a clean record, you should be sure to alert your car insurance agent so you can get a reduction on your auto insurance premium. On the flip side, if you find that you’ve got many violations on your driving record, you can proceed by taking steps to clean your record and/or learn better driving habits.This can be very beneficial when requesting car insurance quotes, to lower your premium.
Compare Car Insurance Quotes
Enter Zip Code

How to obtain a copy of your driving record:

(Note: Copies of your driving record aren’t usually free, so expect to shell out a few bucks for a copy.)

1. Look on the Web. If you’re looking for only a basic, condensed version of your driving record, check online. Some government or private agencies will offer you a bare-bones version of your driving record. Though it won’t be a complete copy of your record, it will most likely be free.
2. Check with your Car Insurance Carrier. Your insurer has a copy of your driving record (obtained when you first applied for your car insurance policy). Technically, the record is the property of your carrier (they paid for that copy, so they own it), but some may be willing to share it with you.
3. Just ask the DMV. The most common, fool-proof way of getting a copy of your driving record is by checking with your local DMV. You may need to fill out a form called a Copy Records Request, show two forms of ID and pay the DMV’s required fee (fees vary by state and county, but the fee is usually very affordable, or can even be free). Many opt to just get their driving record copy from the DMV because it’s much more thorough and you can be sure of the accuracy of the information on record.

Tip: Get multiple copies. If you are allowed extra copies, TAKE THEM. You may need them in the future. Depending on which route you take to get a copy of your driving record, you may get a hard copy, a mailed copy or an emailed copy (much easier to get copies of—just press “print” a few extra times!).
Next steps: Finding car insurance quotes for a cheaper policy

If your current carrier is charging you too much for your policy—perhaps due to some infractions on your driving record—then you may want to consider finding a different policy, ask various car insurance agents, they may be able to help. Perhaps another carrier can offer you more affordable car insurance quotes and policies for your driving record. Search for car insurance quotes online using our online forms and insurance agents will be in touch with you with their most affordable rates and car insurance quotes.

read more...

Car Insurance Guide

Our guide to car insurance contains all you need to know about finding the right type of motor insurance policy, how to lower the cost of your premium and what to do in the event of a claim.
How to get the best car insurance deal

Car insurance is almost certainly the financial product most commonly held by consumers in the UK, with the possible exception of a bank or savings account. This is hardly surprising: if you drive a vehicle, insurance is compulsory.

In theory, this ought to make everyone a car insurance expert, able to get the best deal on their motor cover.

Yet too many of us tend to stick with the same insurer for too long and end up paying hundreds of pounds more a year than we need to. We only change policies when premiums become very noticeably too dear.

Conversely, we pat ourselves on the back because we have found ultra-cheap car insurance - only to discover that when we make a claim, certain items were never covered under the terms of that policy.
Get a new car insurance quote now

Shopping around is the starting point for anyone who wants the best car insurance deal. Our car insurance comparison tool allows you to search for and compare quotes from more than 60 top insurers and brokers in the UK.

But knowing how motor insurance works can help you get an even better deal - not just on price but in terms of the service you may need from your insurer. This guide is designed to help you achieve that.

It tries to answer some of the most typical concerns of motorists: everything from explaining how your quote is set and tips on how to cut the cost of your cover, to the various steps involved in making a claim.

We also offer a jargon-buster - explaining some of the more typical terms used when taking out car insurance.

Of course, no guide can ever attempt to answer every query. If you have any further questions, feel free to visit the car insurance forums or motoring fourms, where one of our experts - or even other forum members - will do their best to help.

read more...

How To Do Vehicle Inspection and Get Your Vehicle Certified

Gone are the days when vehicles were considered a luxury. They are a necessity in this day and age. Vehicle inspection is one of the key mechanisms in giving you the assurance that you have purchased a car worth the money you paid for. Vehicle inspection is as vital as house inspection. Many individuals consider their vehicle as their second home and its overall safety is not to be overlooked since buying one is a major investment.

Vehicle inspection is a protocol strictly followed by many countries, both in their national and local governments. In vehicle inspection and certification, a vehicle must pass through a test to guarantee safety for the motorists and the environment. Vehicle emission testing is part of the inspection, and is observed by each state, region, or city. Depending on the government’s mandate, a vehicle inspection is done biannually or annually. A safety vehicle inspection together with emission testing is required when the vehicle’s ownership is transferred.

In buying a vehicle, there is also a pre-purchase inspection before negotiating on the price. Whether you are buying a brand new car or a used car, an expert’s honest opinion is needed. There are private companies that offer vehicle inspection at a reasonable price and in accordance to the vehicle you want to purchase or had just recently purchased. All you need to do is grab your phone book and browse through the yellow pages and under Vehicle or Vehicle Inspection section, you can search for service provider who can help you ensure a good deal even before closing signing with a vehicle company.

There are online resources for you to choose from. Below are some of the best inspection companies on the Internet that you need to consider before falling for car salesman:


1. Carchex. The company performs a 155-point pre-purchase auto inspection almost anywhere in the USA. They are one of the most reliable in the automobile inspection industry. Their highly specific auto inspection report covers the status of chassis and coats, depressions, nicks, corrosion, tires and steering wheels, windshield, interior parts, misplaced and missing components, oil leakage, wirings, and terrain drive functionality.
2. Automobile Inspections, LLC. Tested and proven nationwide, this company has a reputation as the industry provider for the most comprehensive vehicle condition reports. Automobile Inspections can do everything without dismantling your car into pieces. With customer satisfaction in mind, they provide free professional consultations. Their meticulous inspections report covers every aspect of your vehicle such as the body, coating, chrome, marks of collision impairment, outer and inner corrosion and others. They also test drive your car on the road in relation to the engine check-up and performance. With digital imagery, they scan the underside, test the instrumentation, steering wheels, tires and the interior aspects.
3. National Auto Inspection Services. Planning to sell a used car? How about buying one? This is where NAIS comes to the rescue. NAIS inspection team performs a 150-plus point total used car inspection. With their services on the helm, you will have peace of mind before buying a used car. A final report of the inspection will be sent through email within 2-3 days.

Getting your vehicle certified is a requirement and it serves as a protection for vehicle owners to ensure that they are purchasing vehicles that are safe and roadworthy.

read more...

cheaper car insurance

Best priceDepending on specific criteria, a person the cost of car insurance can be very expensive prices to a driver record, age, sex, place of residence, type of vehicle is based and the coverage desired. For some people, the price of a policy may be prohibitive, if not properly purchases. One example is a boy of 16 years with a new vehicle in an urban area and the young men pay more than any other driver, the driving records (tickets and accidents), the new car will probably need to Also comprehensive and collision and urban areas generally have higher prices because the amount of vehicles in circulation and an increased risk of loss. Therefore, a person like this would be the cheapest policy is possible to have the ability to pay and maintain coverage.

Find the best policy is best achieved with a little 'work on the floor. Depending on the state in which a person can live hundreds of companies that are licensed and authorized to do business and to cover his subject. Finding low cost auto insurance is covered in time to compare prices of airlines to take as many as possible. Although it is impossible, an estimate of each company, plus you have the option to increase to get the best deal possible. When shopping for a convenient approach for someone very important to be aware of the choices people have when buying a policy to avoid covering too.

Many motorists to denote a discount that can save a substantial premium to qualify, you must take note of the discounts that may be able to receive and be sure to address them before you buy "policy. Also, when shopping for a policy is to ensure that they ensure proper coverage and end up paying for options that may need. A common misconception is that consumers have a comprehensive and collision industry professionals on a vehicle, unable to beat Often fall protection for property damage if the value of a vehicle is irrelevant, because the costs of coverage and exemptions are even more of what the car is interesting. BE careful when you choose the right protection and must not sacrifice the protection Necessary to shave a few dollars on their premiums .
Conservation cheapest car insurance possible

In addition to searching for the cheapest rates for reporting, can be equally important for the individual, know-how and maintain the lowest possible auto insurance. The best way to keep motorists at a cost policy is to always practice safe driving. He condemned the violations and tickets only cost the driver the height of the altitude, but can influence the level 3 to 5 years after conviction, guilty of driving under the influence of alcohol or drugs, the interest is still more . also increases, contributions may also cause an increase in traffic and cause more accidents, a driver from the owner and the difficulties are left to get insured. Therefore, the practice of driving safety are extremely critical to keep the cost of an insurance policy.

Adding a new vehicle or the distance of a car and adding another can also affect the premiums consumers, fortunately, usually have a choice of what type of vehicles they buy. Vehicles equipped with safety devices and have a high security clearance may be less expensive to secure and sports cars are often more expensive to cover. It can also be useful to ensure deals for different types of vehicles before purchasing essential that the costs will be affordable to compare in some cases, vary the price of a policy of some models, although in similar price range. A consumer guide titled "9 ways to get your car insurance lower," says that the premium on the price list based on the amount it would cost to repair and the likelihood of theft, which considers the people ' purchase of vehicles require comprehensive and collision must necessarily receive an offer for the car in front of you as some are much more expensive than other repair buy. Although some factors, premiums can not be controlled by motorists, there are some that may be, the buildings and understand the impact of price policy, consumers may be able to get rates.

read more...