If you are looking for truck insurance, and want to save money, the first questions you must answer involve what type of truck insurance you need. There are several varieties, and each has its own rules for saving money on your premiums.
First, if you own a pickup truck designed for family use, the same rules apply when looking for insurance savings as those which apply to cars. In essence, pickup trucks are simply cars with bigger frames. Since they are driven for mostly the same purpose as passenger cars, most insurers simply insure them in the same way as they do cars.
You should shop around for the best rates, and be sure to take advantage of good driver discounts, good student discounts, driver’s education discounts, and multi-car and multi-policy discounts. You can also save ...
I work for a summer camp ministry, and were looking for auto insurance quotes on our 15 camp vehicles. A couple of these vehicles are used to transport people. Which auto insurance companies will write this kind of policy (Allstate, Farmers, State Farm and Nationwide dont write for vehicles used to transport warm bodies)?
It may be that you applied for personal auto insurance with those insurance companies. What you really need is commercial auto insurance, sometimes call Business auto, which most national insurance companies sell. I believe all these companies write business auto insurance, but under different divisions. Other potential insurance [Read More]
my son wants to let his girlfriend drive his car. The car is insured and she has a driver lic. if they are involved in a accident will they and the car be covered
Only a few reasons could stop coverage from extending when the girlfriend drives. Even then, the insurance company would be bound to pay the state minimum coverage on the policy: 1. Does she use the car regularly? If so, she needs to be listed as a driver [Read More]
I have two adult sons who are on their own. Neither has their own car, they live close to work and bike. A few times a year they visit and will use our cars to get around. They are not listed on my auto insurance. Are they covered by my auto insurance?
Although your sons should be covered, you might want to tell your agent about this arrangement...just in case. There are some parts of the policy that have "grey" information about who is allowed (or not) to drive the car. Because your boys do not live with you, they [Read More]
There are a number of reasons why an independent insurance agency may be the right choice for your car insurance needs. Independent agents have flexibility and can meet a wide variety of car insurance requirements, sometimes better than their dedicated counterparts.
Many people choose a “dedicated” agent, or one that works for only one company. There are certainly valid reasons to make this choice. A dedicated agent is not distracted by giving service to a great number of companies, and can focus solely on his or her company’s products.
Likewise, there are reasons to choose a strictly online agency. Online insurers tend to have lower prices, although you have to do a great deal of your account management yourself. You might choose a dedicated company like State Farm, and also do a ...
Although you may not realize it, where you live has a great impact on your insurance rates. Certain zip codes are “red flagged” by insurance companies, and if you reside in that area, you could be in for steeper rates than your neighboring areas.
This may seem strange, but it is all based on risk assessment. Certain areas simply have more accidents than others. Often, this is due to traffic volume; places with more traffic have more accidents. Sometimes, however, the differences are more subtle and difficult to understand.
Risk is a calculation the company makes based on how many drivers whose description is close to yours have accidents annually. For example, a forty-five-year-old male with no previous accidents living in suburban Philadelphia or New York will be classed with other forty-five-year-old males in ...
