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Monthly Archives: June 2011
What is the process to switch car insurance agents?
If you want to keep the same insurance carrier but switch agents the process should be simple. Just contact the agent you would like and have your policy transferred over. You may be able to avoid even contacting your old … Read More
Are deductibles and premiums the same thing?
No, they are not. The two are linked, but aren’t the same thing at all. Premium – how much you pay the insurance company to have the coverage you do. How often you pay varies from the plan you’ve chosen. … Read More
What should I look for and avoid in an insurance agent?
Choosing an agent is an important part of getting your insurance. Even within the same company you can get both good and bad agents. The things to look for in an agent are: Friendly – Do they seem glad to … Read More
What is an insurance broker?
An insurance broker is similar to an insurance agent. However, where the insurance agent only represents one insurance company the broker works for many. If you are interested in an insurance broker, check what companies they broker. The advantage of … Read More
Why does the insurance increase on a coupe over the sedan?
Insurance companies consider the coupe to be a sportier model than the sedan. Therefore, they’ll charge you more for that model. This is based on the idea that people who favor sport vehicles will drive them faster. However, not all … Read More
Will a DUI have a big effect on my insurance?
Yes, no matter how you slice it, a DUI will have a huge impact on your insurance and your insurance rates. Some insurance companies may not be willing to cover you due to your conviction. Those that do will likely … Read More
Why does my policy cost more after my insurance lapsed?
Most insurers consider individuals who have allowed their insurance to lapse to be riskier to cover. Therefore, if you start having late payments you may see your insurance rates rise as well. The reason for this increased perception of risk … Read More
Will I have to pay more for insurance if my policy lapses?
Probably. On average, drivers whose policy lapsed end up paying 5.7% more for their insurance than they were before. The number gets higher if you are insuring multiple cars, going up to around 12%. If your policy has lapsed, it … Read More
I just totaled my car; the insurance will pay the loan off right?
Not necessarily. If your car was totaled the insurance company will pay you the actual value of the car minus your deductible. If you purchased a brand new car, this could leave you with quite a bit of the car … Read More
Is there a brand of car that is stolen more often?
Thieves have a regional bias towards which vehicles are stolen. If you live in California or Florida, you should keep an eye on your Honda or Toyota. If you were down south in Texas, your pickup truck would be very … Read More
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