Tag: insurance company (Page 1 of 2)

What You Need To Know When Choosing Auto Insurance

May 24, 2013 / barrys

It is necessary for every car owner to purchase auto insurance. Considering all the options and choosing the right one might not be easy. In addition to price, you have to get an insurance that coincides with your needs. Before purchasing auto insurance, it is critical that you do research and know the exact type of insurance you need. Here are some helpful suggestions towards figuring out how much coverage you’ll need and how to find the right policy for you.

Keeping your license clean is crucial when it comes to how much you pay for insurance. The number one cause of high premiums is a bad driving record. If you already have a infraction on your license, check with your insurance company to see if attending traffic school, or a safe driving course can get your premiums lowered.

Do your homework before you make a decision. Insurance companies quote you a rate depending on various factors. By shopping around and comparing rates, you can save a significant amount of money on your insurance.

TIP! A great way to reduce your insurance bill is by lowering your mileage each year. A lot of insurance companies lower your premium when you drive less.

Sit down with your car insurance agent to prove that you are correctly covered before personalizing your car. You can lose a lot of money if you have invested in expensive add-ons and upgrades in a car that ends up stolen.

They type of vehicle you buy will play a huge role in the price you pay for your insurance policy. Insurance companies charge higher premiums for that high end luxury model you love so much. If your goal is to keep your auto insurance costs low, pick something safe and reliable that is sold at a modest price.

Basic coverage on your car insurance only allows the coverage to extend to the policy owner of a car. Sometimes, people allow a friend to borrow their vehicle, but if this friend wrecks, your insurance company will not pay for the damage. Although it will cost extra, you can elect for coverage which will permit other drivers to operate your vehicle.

Before you purchase a car, find out how much it would cost to insure it. Your insurance agent can tell you what vehicles have the best premiums. Knowing which cars are the least expensive to insure can help you make a wise decision when deciding what to buy. You can save on your insurance policy by choosing a model with a very good safety rating.

TIP! In order to keep your auto insurance rates low, you should never allow your coverage to lapse. Moving from this carrier to another one could cause a lapse in your coverage.

Before you buy additions for your car, ask yourself if you really require them. Luxuries in your vehicle, while nice, are not a necessity. If ever you car is stolen or totaled, your insurance won’t reimburse you for damages done to it.

Just because auto insurance is cheap, does not mean it does not warrant further investigation. Such quotes may exclude extra charges or full coverage. Make sure the policy in question offers everything you need.

Auto Insurance

Instead of spreading out your car insurance payments, pay it yearly or every six months. It is common for insurance agencies to add around $4 to a monthly bill. It may not seem like much, but it adds up quickly. It is also a time consuming task when taking into account your other bills. If you have less payments you will be better off.

TIP! While finding the company that offers the lowest annual premium for your car insurance is important, this is only one of the many factors that you should consider when comparing car insurance quotes. By reading the fine print you will be able to find out the amount of the deductible you will owe if you have an accident, the total coverage on the policy and the upper limits of any benefits provided.

As mentioned earlier, before you purchase any car insurance, you should research your options in order to identify the type of insurance that you need. Having enough information should help you be able to get auto insurance with a decent price. Use the advice in the article to help get the auto insurance you are going to need.

We are a local Clayton junk car and Clayton Towing shop just outside of Raleigh NC that pays cash for junk cars in the Raleigh NC area. We will buy junk cars, old cars, wreck cars – pretty much anywhere in the area. Sell Garner junk cars, sell Clayton NC junk cars, sell Smithfield NC junk cars – if you’re within a 50 mile radius or so of Clayton NC (and you’ve GOT a junk car to sell) – call us to get the best price when you sell junk cars!

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Getting The Most From Your Auto Insurance

January 23, 2013 / raleighjunkcars

Buying automobile insurance can be an ordeal if you don’t understand the terms and how insurance works. Although auto insurance is not brain surgery, it does require a certain level of dedication and knowledge. Without these things, you run the risk of losing money or carrying inadequate coverage. This list of tips should provide you with some insight to get a good policy for your vehicle.

Always check your driving record for outstanding tickets or violations before making a change to your insurance provider. Any new insurance company will review your current driving record and will increase your premiums if you have outstanding fines. Taking care of any outstanding fines can help you get a lower rate.

TIP! Take the time to review your auto insurance policy when it is time for renewal. Keep the information you have on file with your insurance company up-to-date, as a new job or marriage may just decrease your premiums.

Review your car insurance policy to make sure it is accurate. You might be missing out on some valuable discounts. Does your policy list the correct home address? Look at the year, model and make of the car listed to make sure it is right. Confirm short distance driving on your claim since your yearly mileage may affect the cost of your premium.

When you are with a professional organization, it is possible to get great discounts. A couple of these organizations include AARP and select credit unions. Investigate these options to be sure you are getting the discounts you are entitled to.

When you buy auto insurance, remember that the insurance carrier is insuring just the person who is listed as the driver, or operator, of the vehicle covered by the policy. If you allow someone to drive your car, and they were to get into a car accident, the insurance may refuse to pay. You can get a policy that allows other people to take the wheel of your car, but it costs more for that coverage.

TIP! You must notify the police if there is a car accident. Police officers are well aware of the procedures that have to be followed, and they will make sure that all necessary information is collected.

Check with your company to see if they have made special arrangements with any auto insurance providers. Often times a company will sign a contract with an insurance company to get a group rate. You might even qualify for a deeper discount based on your years of service with your employer. If you find that they don’t offer group plans, bring it up to them as a possibility.

It is usually possible for an insurance company to rescind your coverage during the initial 60 days without giving you a reason. While the days go by, the company makes sure that you’re not a large risk to their business. If your policy is terminated, you can end up facing higher premiums later.

As you saw in this article, there are many different aspects to auto insurance. You will need to do your research and use common sense, and the effort you put in to choosing your insurance will pay off by protecting your vehicle. By following the above tips, you can be smarter about choosing a better auto policy.

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Look Over Your Auto Insurance Policy With These Tips In Mind

January 9, 2013 / raleighjunkcars

Auto insurance can fit your budget. To find it, just stick with a few simple rules and review the tips provided in this article. Many factors are considered when assigning rates to drivers.

The first thing you should do after being involved in a car accident is call the police. The police will interview witnesses, collect relevant information, and instruct you about what you should do next. Having the authorities on your side will also be a great benefit when your insurance company gets involved. Be sure when an accident occurs, the police are called in a timely manner.

TIP! The best thing to do if you want to decrease your car insurance is to install an alarm, immobilizer or tracker in your car. The more likely your car is to be stolen, the higher your insurance premium will be.

It is not wise to delete collision coverage from an insurance policy. While it may lower the premium cost, if there is an accident and you are to blame, the repair bills will be coming out of your personal pocket. Paying your monthly premium will likely be easier than having to pay to repair your vehicle.

Insurance Premiums

Before you choose a new car, think about the impact on your insurance premiums. There are some cars that have lower rates because they are considered safer. On the other hand, sportier models tend to come with higher premiums. When purchasing a car, you must also account for monthly insurance premiums in your budget.

TIP! Think about removing some coverage from your auto insurance. If you have a car that is not of high monetary value, you may just want to cover your car with liability insurance.

When you talk about auto insurance and the elderly in the same sentence, it is essential to know the majority of accidents that happen during the day are because of senior citizens. Not only does this make a difference to premium cost, but it can cause an insurance company to refuse coverage also.

100/200/100 level liability coverage is a good idea if you have an expensive car. In a number of states, you must carry a minimum amount of liability insurance. Therefore, you should ascertain that your policy is written in line with the state requirements at the very least.

Ask about group auto insurance rates through your employer. Insurance companies will work with some companies, and in turn the companies can offer their employees special discounted group rates. In some cases, being a long-term employee can snag you even larger discounts. If you employer does not offer any sort of group plan, you might offer a suggestion that someone looks into the possibility.

TIP! By consistently driving well, you can lower your auto insurance premium. If you stay accident-free and avoid traffic violations, you may qualify for good-driver discounts.

Learn and understand the terminology before choosing any type of insurance policy. The basic tenets of insurance are, for the most part, the same in every single state. Get familiar with insurance lingo so that you can better comprehend the options offered to you.

Letting your auto insurance coverage lapse will raise your insurance rates. Lapses often occur when you change your carriers or even when you simply change policies. Your insurance provider may increase your rates when they discover these lapses.

Enrolling in a defensive driving course is one of the simplest ways to save on auto insurance. Simply enrolling in these courses often gives you a discount on insurance right away. They’ll also help you learn to drive more safely, preventing you from getting in accidents that could raise your rates. These courses are offered by many driving schools. An online search will show you the classes in your area. Likewise, there are also classes that are web based.

TIP! Once you’ve sold a vehicle, or no longer have it in your possession, be sure to let your insurance carrier know immediately, so that it can be taken out of your policy. If you don’t need an insurance policy, get rid of it.

You now know that it is possible to find affordable insurance rates with a great company. Use the advice in these tips to lower your premiums and be able to afford better coverage.

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Useful Insurance Tips For Your Auto Needs

December 12, 2012 / raleighjunkcars

Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional.

An insurance company can typically drop your coverage within the first 60 days without providing a reason. While the days go by, the company makes sure that you’re not a large risk to their business. If your policy is terminated, you can end up facing higher premiums later.

TIP! You don’t have to ditch the idea of a sports car based on the mistaken impression that it necessitates higher premiums. Many sports cars do not have a higher premium.

In case you ever have to file a claim to your insurance company, know that insurance companies want a lot of detailed documentation. You can use your cell phone to record the time and place of any collision and the damage resulting from it. It pays to always have a camera on hand in your vehicle.

Put the lowest amount of miles on your car as possible. If you are unable to reduce your annual mileage, it may be worth it to buy a cheap, second vehicle. You may find that the cost to insure two low mileage vehicles each year is cheaper than one high mileage vehicle.

It is prudent when looking into what an auto insurance policy covers that attention is given to see what the terms and conditions state regarding third party uninsured drivers who have caused an accident. This is one aspect of insurance that you will want to look into, especially since it’s not a requirement in most states so they may not even offer it in order to save you money. Insuring other people that drive your vehicle will protect you in case that person does get into any type of accident.

TIP! You need to make sure that your policy includes property damage liability when you are purchasing vehicle insurance. This will take care of any damages that your car causes in an accident.

Car insurance can be a life saver when an accident happens. The right coverage and the right insurance options you chose can ensure you get the monetary assistance to go through this difficult time of your life. Use the tips you just read to help you find the perfect auto insurance coverage for you.

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Great Advice To Become An Insured Driver

November 21, 2012 / raleighjunkcars

If you own a vehicle, you need to have insurance. That said, you have a host of options when it comes to choosing insurance for your particular situation. If you do your research, you will find that the costs of premiums greatly vary from company to company.

If you do find a lower rate than what you are paying, inform your insurance agent of the quote before you change companies. Your insurance company may be willing to lower your rate to keep you as a customer.

TIP! Always consider the costs of insurance before purchasing a car. Your agent can tell you which cars receive a lower premium because of safety or security features.

Be aware that the cheapest insurance quote may not mean it is the best policy for your automobile needs. The cheap insurance you found might have gaps in coverage, but it might also be a diamond in the rough. Make sure you find out about the insurance company and your policy because you want the best helping you out if you need to file a claim.

Some companies offer discounts for those who do not log mileage in excess of 7500 miles per year. If you can lower your total mileage then you can save a significant amount of money on your insurance.

Safety Features

TIP! Car rentals are very important to include in your insurance policy. If you have to get a rental during repairs on your main vehicle, you’ll need to buy separate insurance for that vehicle as well.

To get the cheapest insurance rate, list all the safety features of your car. Any safety or security feature that can reduce the likelihood of serious injury or theft is worth mentioning, from side-impact air bags to car alarms. These features can reduce your insurance premium, because the likelihood of expensive claims is lower. Even with an older car you can get these discounts if you include these safety features at a later date.

Having more than one policy with an insurer can reduce your auto insurance costs. Shop around to see what bundled insurance packages are available to you. Find out what deals are available for obtaining car, home and life insurance together. You will need to get good coverage and a good deal, you may need to get two insurance companies or policies to achieve this.

Car insurance premiums differ between each individual customer. This is not always due to different cars, different driving records or different amounts of coverage. All insurance coverage isn’t the same, and some people are able to have equal coverage for less money. You can easily do this if you take the time to learn the auto insurance tricks.

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

You Should Ask Your Insurance Company If They Offer Multi-Policy Discounts

November 6, 2012 / raleighjunkcars

Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer.

One thing that many people overlook when reviewinging car insurance is that they may not be covered for other “uninsured” drivers. You will want to consider this as it will increase your policy price. This will also offer protection if your car is hit by a motorist who has no insurance.

TIP! Take some time to investigate your state’s auto insurance regulations. Every state is different.

There is a mistaken belief that owning a sports car will make your insurance premiums higher, but don’t let this keep you from purchasing one. The truth is that only some sports cars have higher premiums. You may want to check with your insurance company to see which ones are the most affordable.

Insurance Policy

It can be difficult to decide exactly how much coverage you’ll need for your auto insurance policy. If you own a lot of expensive things, you should insure them. Remember, if you are faulted in a serious accident, the medical liability can reach hundreds of thousands of dollars. Many insurance agents recommend doubling the minimum liability coverage mandated by the state. A good insurance policy, with appropriate levels of coverage, will more then pay for itself in the event of an accident.

TIP! Talk to your own insurance agent before switching companies due to a quote from another company. They’ll often match the competitive offer to keep your business.

There are many factors that can determine the rates quoted for auto insurance. Gender, age and marital status are just a few of the more commonly known examples. Keeping this personal information in mind can help improve the experience of auto insurance pricing.

Ask for a list of discounts available, or compile a list on your own based on the discounts offered. Use the list as a checklist to identify which discounts are applicable to you. Many people miss out on discounts that they’re actually eligible for simply because they do not do their homework.

Your insurance can usually be dropped within the first two months for no reason. In this time period, your insurer will review your driving record and make sure you aren’t a high risk. If your insurance policy is terminated, it can adversely affect you for many years. It can result in higher premiums or the inability to obtain insurance in the future.

TIP! To save extra money with your monthly insurance premium, drive fewer miles each year. People who drive less typically enjoy lower rates from their auto insurance companies.

Many auto insurance policies are filled with difficult to understand words and phrases. Read this article and learn about insurance terms so you’ll be more confident in your decision. Purchasing car insurance should be a simple process, and it can be when you have the right information.

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Shrewd Tips To Help With Auto Insurance

October 31, 2012 / raleighjunkcars

Many people find auto insurance either boring or overwhelming, which makes it harder to understand than it needs to be. Just as is the case with anything, the more knowledgeable you are, the less chance there will be for any confusion.

If you have a previous association with a car repair company, seek their opinion on insurance companies and which ones have a good reputation. Employees at body shops deal with insurance adjusters on a regular basis. These shops deal with insurance companies day in and day out, so they will know which ones are easy to deal with and which ones drag their feet.

TIP! A certain amount of liability insurance is a legal mandate for most drivers. Remember that the responsibility for carrying the legally-required level of insurance lies with you, not your insurance company.

Always analyze your policy before renewing it. Notify your insurance company of any pertinent changes. If you move to a new job with a shorter commute, you could get a break on your insurance costs.

Before you switch over to a new insurance policy, make sure you send a written cancellation letter to your old carrier. If your insurance company does not record your cancellation, they will issue a bill — and when you don’t pay that bill, they could report that they cancelled you for non-payment. If you don’t have proof of cancellation and there’s a problem, they can report you to the credit reporting bureaus and this will negatively affect your credit.

Auto Insurance

TIP! An insurance company can typically drop your coverage within the first 60 days without providing a reason. This is when insurance companies will review your driving record to see whether or not you are a high risk.

You have to fully be aware of all the laws about auto insurance in your home state. Each state varies in minimum coverages and laws, making it important that you understand the requirements before purchasing an auto insurance policy.

The great thing is that these tips are applicable to a wide variety of people. You want to use these tips, and apply them to the type of auto insurance you are interested in. Aim for coverage that is affordable and provides an adequate sense of security. The tips shared in this article should lead you in the right direction.

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Auto Insurance Advice Busy People Can Use

September 16, 2012 / raleighjunkcars

Drivers need to have insurance coverage; it is essential. It can be hard to go through all of the info to find what is right for you. The tips that follow will give you some inside information on how auto insurance works.

You can reduce your premium by eliminating the drivers in your house who have their own insurance. For example, once your child is old enough to purchase an insurance policy independent of yours, ensure that they have been removed from your policy to cut the costs of your premium. When you reduce the amount of people on your policy you can reduce your costs.

TIP! Before you make a change in your car insurance provider, check carefully to be sure you are not tied to any outstanding traffic violations or tickets. Any new insurance company will review your current driving record and will increase your premiums if you have outstanding fines.

Paying your insurance in one payment saves you money in the long run. Many companies charge a service fee when you want to make monthly payments. Start saving up early, and then pay the whole sum at once.

It is always possible to purchase additional coverage in excess of what the law requires. If you use these options, your premium will increase; however, it may be worth it. If you buy uninsured motorist coverage, your insurance company will pay out in the event of a hit-and-run accident or if you are involved in an accident with someone who does not have insurance.

There are wide variations among insurance carriers. If you don’t like the quote you receive from one provider, check with a few of their competitors.

Annual Payments

It is better to pay your insurance in one lump sum each year rather than paying monthly installments. On average, your car insurance provider could be adding $3 to $5 to your bill. It may not seem like much, but it adds up quickly. This can be troublesome with your other bills. If you cannot pay annual payments, you can look into semi-annual payments to keep down the costs.

Your insurer can terminate your policy during its first 60 days. They don’t even have to give a reason. During that time period, the insurer reviews your record to make sure you are not a high risk. If your policy is terminated by your insurance company, you will risk having to pay more for insurance in the coming years.

TIP! If you have multiple drivers insured on your policy, make sure that you report to your insurance company if someone stops using your vehicle. You want to take the additional driver off, because you are most likely paying more to have them covered.

Think about whether your car really needs those fancy, expensive accessories. You don’t need heated seats or fancy stereos. When your car has a problem, insurance probably won’t reimburse these items.

If you are thinking about buying aftermarket parts for your vehicle, speak with your insurance company to find out exactly what and how much they pay if your car was in an accident or stolen. In a lot of cases, insurance companies do not cover these upgrades. They only consider the added value to the entire car.

Auto Insurance

TIP! Many insurance companies provide large discounts to people who do not drive 7500 miles in a single year. Discounts, such as these, make driving less worth it when it comes to insurance.

Never drive without auto insurance. If you were to get into an accident, car insurance would be the only thing that would keep you from going into a possibly devastating financial situation. The tips above are meant to be used as a guide, to assist you on your journey to finding the right auto insurance plan for

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Auto Insurance Tips And Pointers You Can Use

September 12, 2012 / raleighjunkcars

Many factors can be changed to affect the cost, while others are fixed. Asking for a higher deductible can lower your premium. Use the advice in this article to find ways to get the best deal on your auto insurance.

As you shop for auto insurance, remember that your coverage may only apply to the driver named on the policy itself. Many drivers lend their car out to a friend, only to find that the friend’s accident is not covered because they were not listed on the driver’s policy. It is possible to obtain insurance that permits additional drivers, though it will be more expensive.

TIP! If you plan to move in the near future, be sure to check the car insurance rates of the location you are considering. A geographical factor that determines the cost of your insurance is crime rate.

There are many different car insurance companies, so you want to research their reputation before buying a policy. Lower premiums are important, but smart shopping for a car insurance policy involves additional considerations. Sometimes car insurance companies who offer really low premiums are the ones who don’t fully pay out their claims. These companies can be a pain in the neck to deal with, so do your research first.

Be sure to keep a record of each and every one of your insurance payments. You’ll need your records for proof of payment should there ever be an issue with the insurance company.

No matter which insurance company you choose to go with, you will have higher rates than a driver that has an excellent record. Companies even exist whose mission is to provide cheaper coverage to those with some driving mistakes on their record.

TIP! Insurance rates are an important factor to take into consideration when purchasing a new vehicle. Your agent can tell you which cars receive a lower premium because of safety or security features.

While you are obtaining quotes for auto insurance, bear in mind that the annual premium cost is not the only feature you should be comparing. Look at how good the actual policies are when comparing companies. For example, what are the deductibles? What is your level of coverage? What kind of limits can you expect?

Avoid letting your coverage lapse to keep your policy rates low. You need to find a provider and a policy you like, then stick with them to avoid gaps in coverage. To protect themselves, the insurance companies will raise rates when they discover a lapse in coverage.

Keep your driving record as clean as possible. People with poor driving records spend more on insurance. If you do have an accident or get a ticket, consider attending traffic school. This can often offset the increase in your insurance costs.

TIP! The consumer complaint ratio should be available for most of the car insurers in your state. These statistics compare the number of complaints issued by consumers against particular carriers.

Make sure you have a comprehensive list of the changes you’ve made and accessories you’ve put into your car. This proof will be necessary in case of damage or theft. If you have decided to make expensive modifications, you need to make certain your insurance policy covers them in the case of any damage done or a theft occurs.

Insurance Premiums

As stated at the beginning of this piece, you have influence over a number of factors that determine your insurance premiums. Some of the factors that you can change are your driving record, the amount you drive and where you reside. With a little homework on your part, you can lower your insurance premiums to a manageable

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!

Tips And Tricks That Will Help You Get The Auto Insurance You Deserve

September 3, 2012 / raleighjunkcars

Some factors that can affect insurance costs are fixed and some can be changed. Raising your deductibles can net you a lower premium. The advice in this article will assist you in finding ways to get the most coverage for your money.

When you buy auto insurance, remember that the insurance carrier is insuring just the person who is listed as the driver, or operator, of the vehicle covered by the policy. If you allow someone to drive your car, and they were to get into a car accident, the insurance may refuse to pay. You do have the option of increasing your coverage and your premiums, to ensure that these situations are also covered.

TIP! When shopping for insurance for a teenager, compare the costs of getting them a separate policy or adding them to yours. Factors such as vehicles on your policy may make it less expensive to buy a different policy for your teenager.

Make sure your license is clean. Moving violations and traffic accidents will result in dramatically higher insurance premiums. If you do get cited for a moving violation, you should opt for traffic school to keep it off your record.

Higher Deductible

Leave more money in your pocket by choosing a higher deductible. This move has some risk, but is will save you some cash. If you do it, put the extra money in a savings account so that you do have it, should you ever need to deal with the deductible. You will have a lower premium if you have a higher deductible.

TIP! You shouldn’t buy new cars for teens. Have he or she share another family car.

Maintain records with proof of all payments made to your insurance company. If there happens to be a problem with your insurance company, you can show this proof, in case you are pulled over, and keep from getting a ticket for not having insurance, on top of any other tickets you may receive.

Think about the kind of vehicle you have when considering insurance coverage. Older vehicles do not need expensive insurance policies, as much as newer vehicles because they are not worth as much. Another factor to consider is the theft rate of the type of vehicle you have. The more likely it is that your vehicle will be stolen, the more you should think about paying for comprehensive insurance.

Make sure you know what coverage types are important when choosing auto insurance. Out of the many options offered by insurers, some may not fit your needs. If you tend to have accidents, you would be wise to pay for collision coverage.

TIP! Insurance companies do not all operate in the same way. You can always shop around to receive competitive quotes from different companies so you can choose the pricing that fits your needs.

You learned earlier that many of the variables that affect your auto insurance premium can be tweaked. Your location, your driving habits, and how responsibly you drive are all under your control. You can save money on insurance by learning about the factors that you control to get a better

You can see more on our website at junkcartampaflorida.com/ or call us at 919.901.5397!