Farmers Auto Insurance Review

Two men who shared a dream about providing affordable insurance for the average person startedFarmers Insurance Group back in 1928. They started in Los Angeles and have grown to be the third largest insurer of automobile and homeowners insurance. They also provide financial service products as well. Farmers Group is in 41 states and has around 20,000 employees serving more than 15 million customers. You can see in  Farmers Auto Insurance Review that  the company’s commitment to give you the best possible service at an affordable price.

Auto insurance helps protect your investment and in the event of an accident the loss that you may incur. Farmers Group helps you in many different ways to decide which direction your auto insurance needs may take you. A Farmers insurance agent will set down with you and work out a plan that will take care of your auto insurance needs. One of the many ways that The Farmers Group saves you money is through discounts.

Farmers Auto Insurance Review

Some of the discounts that maybe available to you are multi-car discounts, alternative fuel vehicles, air bags, teens with drivers training, are just some of the discounts available. You will need to talk to yourFarmers Group agent, as many times these will vary by state and how much the discount may be. Some may have more discounts than others depending on each states rules and regulations.

Farmers Insurance group provide all types of auto insurance coverage that you will ever need. Sometimes people are looking for a little more coverage in a certain area and Farmers Group can help you with it. By having a wide variety of coverage’s you will find something that fits your budget and needs. Customer service is another area that The Farmers Group really excels in. Many times companies forget how important this is, but not Farmers Group. There auto insurance agents take customer service very seriously and strive to do the best job possible. After you toss in affordable auto insurance terms, you can see why The Farmers Group continues to be one of the leaders in the auto insurance industry.

READ FULL REVIEW

Read More

Is Rental Auto Insurance Necessary These Days?

Rental auto  insurance is constantly pushed at us when we rent a car, but is it really needed. Most people add rental insurance just so they will be covered, but this could be just an added expense they may not need. Let us look at your options and see if you really do need rental car insurance or is it just an added expense.

One of the first things you should do before renting any type of car is contact your insurance agent. Ask them if you are covered when renting a car for pleasure. In most cases you will be, but make sure you ask what the limitations are. Some insurance coverage will have limits even on rental cars so make sure you ask.

Rental auto insurance

Many credit card companies these days have rental insurance built into their credit card programs. You will want to look over the exclusions and see what is covered and what is not covered. What is covered by one card may not be covered by the other credit card. This is why you will need to check. Most credit card companies do not cover vehicles rented outside the United States so keep that in mind as well.

Rental Auto Insurance

If you work for a company that has a travel policy, you may want to see if they have rental insurance in their program. Many larger corporations do have this as a benefit for their employees. Ask to see the program and check out what is included and what is not. That way you will know if you need to purchase additional rental insurance.

The bottom line rental car insurance maybe covered by many things that you already pay for. If you feel you have enough coverage and trust it will be covered in case of an accident then forgo the added insurance. If you want more peace of mind than getting rental insurance maybe your best option. Many companies have exclusions so you will want to know them very well before turning down any type ofrental insurance. The key is to do your homework so you can make the best decision for your situation.

Read More

Cheap Auto Insurance

Finding a cheap auto insurance policy that offers great coverage can be a challenging task if you don’t know some of the cheap auto insurance “tricks” of the trade. In order to get the best value for your money, you need to search for an auto insurance plan that suits both your needs and your budget. Rates vary from one auto insurance provider to another, so taking the time to compare car insurance quotes is very important. Finding the cheapest auto insurance quotes online is a snap with our free cheap auto insurance rate finder! Find the cheapest auto insurance companies – just enter your zip code in above to compare quotes from competing auto insurance companies now!

Factors That Affect Your Car Insurance Rates

Before you go shopping for cheap car insurance, you should be aware that there are several factors that may affect your premiums. Insurance companies calculate auto insurance rates based on your age, gender, marital status, location, driving experience and credit score. The number of miles driven each year, as well as the type of car you own may influence your rates.

• Age – The youngest and the oldest drivers are more likely to get involved in car accidents. That is why they usually pay more on auto insurance. After the age of 25, drivers can see a decrease in their rates.
• Gender – Women are safer drivers, so they get lower premiums than male drivers.
• Marital Status – Insurance companies believe that a married person is more responsible. In addition, married couples usually buy insurance for more than one car, which helps them receive a discount.
• Location – People who live in rural area spend less money on car insurance than those living in big cities or suburbs.
• Type of Car – Sports cars and luxury vehicles cost more to insurance than traditional cars. Insurance providers look at the likelihood your vehicle will be involved in an accident or stolen and how much it will cost to replace or repair.
• Mileage – The more you drive, the more likely you are to get involved in a car accident. If you only drive occasionally, you will qualify for a low mileage discount and save money on auto insurance.

The rates you will pay on car insurance also depend on your occupation, years of driving experience, driving record, accident claims and history of bankruptcy. Although you have no control over some of these factors, there are a couple of things you can do in order to get the best rates on your car insurancepolicy. 

Types of Cheap Auto Insurance

When shopping for cheap car insurance, it is important that you do a little research to learn more about the different types of coverage out there. Each state has minimum coverage requirements, but you need to evaluate your options and buy a policy that serves your interests. Here are the main types of auto insurance:

Liability Insurance

Most states require drivers to carry liability insurance. In the event of a car accident for which you are responsible, this type of insurance covers the medical bills, as well as the cost of repairing a house or any other property damaged in that accident. You may opt for bodily injury liability or property damage liability insurance. In case you decide to buy liability insurance, opt for a large amount of coverage. If you select limits that are too low, you will be required to pay out of the pocket for the amount above your limits. It is recommended that you purchase higher levels of coverage if you have a lot of assets to protect.

Collision Insurance

This type of auto insurance coverage pays for damage to your car as the result of a collision. The policy covers repairs, towing and other expenses less the deductible you choose. Insurance companies will only pay the value of your car.

Fully Comprehensive Car Insurance

As its name suggests, fully comprehensive car insurance offers extensive coverage in the event of an accident. This policy insures you against damage to your car, but it also covers medical bills, accidental damage, theft and fire. Since most insurance providers refuse to insure 100% of the value of a car, make sure you read the small print on your policy in order to find out what is included.

Uninsured/Under insured Motorist Bodily Injury

These two types of auto insurance pay for injuries to you and your passengers, as well as medical expenses and other damages caused by a driver who has little or no insurance. In some states, the number of uninsured drivers can reach 25%. Therefore, you should do some research and decode whether you need to buy this type of coverage or you can go without it. The amount of coverage you will receive when buying this type of insurance depends on the limits you choose. Keep in mind that the limits required in some states usually provide insufficient coverage.

Read More

Car Insurance Quote

Whether you’ve just bought a new car, are looking to change insurance carriers or are simply shopping around, getting an online car insurance quote  is secure, quick and easy.

What Information Will I Need?

Your time is important, and we’ll try to get you through the quote process as quickly as possible. In many cases we can fill your vehicle information in automatically based on public records, but to make things easier, it’s best if you have the following information nearby:

• Your current policy (if you have one) – this is helpful as a reference so you know what coverage’s you currently have
• Driving record information from the last five years (including accidents, violations and claims) for all drivers you’d like included on your policy
• Driver’s license number(s)
• Your car’s make, model and year, as well as its Vehicle Identification Number (VIN)
• The odometer reading for each car you’d like an insurance quote for
• The location where your vehicles are typically parked

Car Insurance Quote 

What Factors Will Affect My Rate?

When you request an car insurance quote online, there are three major factors when your rate is calculated:

• Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle’s safety features can help lower your car insurance quote, as can how often you drive the car and what type of driving it’s used for (business or personal).
• Your Address: Where you live and park your vehicle will affect your auto insurance quote.
• Your Driving Record: Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.

If you already have a car insurance policy and are comparing new car insurance quotes to determine what is best for you, make sure that you are comparing similar coverage, limits and deductible amounts. In most cases Liberty Mutual can provide multiple car insurance quotes, any of which can be customized to meet your car insurance needs.

What Coverage is Best for Me?

When purchasing a car insurance policy, you want to make sure that you’re getting the coverage you need to fit your specific situation. You can learn more in our Car Insurance Coverage section. If you’re not sure what type of coverage you need, try using our Car Insurance Coverage Calculator. This easy-to-use tool lets you review different levels of auto insurance coverage to help you determine what best fits your needs.

What if I Need to Talk to Someone?

If you need help during the online quote process, we have an extensive online help center, as well as a real-time chat feature. But of course you can also always give us a call or contact a Local Agent to get the same great insurance quote experience.

More car insurance discounts built in to your quote!

They  offer lots of built-in car insurance discounts, such as safe driver, pay-in-full, multi-car, etc. You’ll automatically get these during your auto insurance quote no matter if you buy online or on the phone. Just get a free car insurance quote .

You can quickly rack up hundreds in savings. But if you want to save more during your car insurance quote, try  extra savings tools.

Read More