Buying Auto Car Insurance On The Web

January 16 2009 by author in Uncategorized |Comments Off

Reader’s Question:

I heard that you can now buy car insurance through the internet?, I’m interested since a good car insurance agent here in Arizona is hard to come by. Can you also give me tips on how to buy car insurance online?

Harry L.

Casas Adobes, AZ

Yes, it is true that you can now shop and buy auto insurance using the Internet, without the hassle of having to set foot outside your house there in Arizona. Over the years, companies and businesses have steadily realized the great potential of marketing their products and services online, and this is especially true for the highly competitive insurance industry. There are also many websites, just like this one, called insurance portals that allows consumers easy access to auto car insurance quotes, as well as be able to compare quotes from many different companies thereby helping you get quality yet cheap car insurance coverage.

Another good reason to shop for your auto car insurance policy online would be the advantage of not having to deal with auto insurance brokers or agents. Since information is readily available from car insurance portals, customers are given more control and can make better buying decisions. You know for sure that you are not being let on into buying a policy that may not be right for you, just because the broker or agent is out to make a quick sale.

Here are a few more tips to help you effectively get the best auto car insurance coverage that best fits your needs;

  • Make sure you get at least four or five of the best quotes that you can find before deciding on a policy.
  • Check out the insurance carrier’s web page, most would advertise promos as well as discounts to help you get affordable auto car insurance.
  • Understand the policy before signing anything. This will save you a lot of potential trouble in the future.

Cheap Auto Car Insurance Michigan MI

January 8 2009 by author in Uncategorized |Comments Off

Reader’s Question:

I’ve always been a sucker for cheap stuff, and not too long ago, I purchased cheap auto car insurance in Michigan. Now that I need to make a claim for an accident, they’re giving me the runaround. When the accident happened, I was only the passenger because a friend of mine was driving my car. All the same, they have to cover my losses, right?

Jonathan

Detroit, MI

I’m right there with you, Jonathan. That’s the thing about cheap companies with bad service. They know everybody is scrimping on food, rent, clothing and everything else, so they offer rock bottom prices, but they are hardly worth your money.

Before you purchased this auto insurance policy, I hope you checked out the auto insurance company first. Are they really licensed? You can visit the state website or the Michigan Department of Insurance to take a look at the list of licensed car insurance agents. When dealing with them in person, they must carry their license with them, too. In their offices, the license to sell auto insurance must be posted on walls.

As for what you are entitled to receive, there seems to be no doubt that you should be reimbursed for your medical expenses and other losses. In Michigan, PIP or Personal Injury Protection is mandatory. For as long as the cost of your hospitalization, and your doctor’s fees are within the reasonable amount determined by the auto insurance company, they have no choice but to reimburse you even though you weren’t the one driving. As a passenger, your PIP still protects you from unexpected expenses caused by some road trouble. So, think twice before jumping to cheap auto car insurance in the future.

 

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