Tag: insurance

Car Insurance – Get A Car Insurance Quote Online

Premier
or standard car insurance cover?

Choose the right cover for you

Premier cover

With premier cover you get additional benefits worth over £400Footnote 4††

These include:

  • European and UK breakdown cover, worth £388.86Footnote 4††. As it covers you, not just your vehicle, we’ll
    keep you on the road even if you’re a passenger in another car.

  • Use of a guaranteed replacement car for up to 28 days after an accident, fire or theft (subject to
    eligibility) worth £30.09Footnote 4††.

  • Up to £100,000 motor legal protection to help you claim for uninsured losses, worth £26.29Footnote 4††.

Standard cover

If you don’t need all these benefits, you can keep the cost of your insurance down by choosing standard cover
which comes with:

  • Uninsured driver protection – so you’re covered if you’re hit by someone else without insurance. You
    will need to provide a minimum of the make, model, and registration number of the vehicle involved, and the
    driver’s details.

  • 3 year guarantee on repairs carried out by our approved repairers.

  • Child seat cover – replacement child seat (up to £150) after an accident.

  • £200 personal belongings cover.

You can also add some of the benefits included with premier as optional extras. In some instances it could cost
you less to upgrade to premier.

Compare comprehensive premier and standard cover














Cover benefits Premier cover Standard cover
Breakdown cover Included – European and UK cover. Also covers you as a passenger in another car. Optional – four levels available covering your vehicle only.
Uninsured driver protection Included Included
Motor legal protection Included Optional
Guaranteed replacement car – subject to eligibility Included – 28 days Optional – 14, 21 or 28 days
Courtesy car – subject to availability Included Included
European travel – unlimited trips up to 90 days per cover period Included Included
Loss, theft, damage and destruction of vehicle Included Included
Loss, theft, damage to personal property in vehicle Included Included
Personal accident cover for you and your spouse – up to £10,000 Included Included
Child seat cover up to £150 Included Included
Approved repairs guaranteed for 3 years Included Included
Claims line with personal claims manager Included Included

*Customers who obtain a quote for a new M&S Car Insurance Premier policy between 7 January and 29 April 2020 and purchase the policy within the quote validity period, via the M&S Bank website or telephone, will receive a £50 M&S voucher to spend in store. This offer is not available to customers amending or renewing their existing M&S Car Insurance policy.
M&S vouchers will be sent to the policyholder up to 60 days after the first payment. M&S vouchers will not be sent if you, the insurer,

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Car insurance | Direct Line

Business cover will be included automatically (when your policy is purchased through our website) for you and your spouse or partner if you have had a civil partnership ceremony and live at the same address, unless either of you hold one of the following occupations:

  • Motor Trade
  • Retired
  • Housewife/Househusband
  • Student
  • Unemployed
  • Chauffeur working on a hire and reward basis
  • Courier/Driver working on a hire and reward basis and/or delivering goods that they or their employer do not own

In these cases the vehicle may only be used for Social, Domestic and Pleasure (SDP) purposes.

In addition we cannot offer insurance where the vehicle is taken Airside (near to aircraft) or is used for paid driving tuition or where the policy holder or their spouse/partner is a foreign diplomat with immunity.

For all other occupations the vehicle may be used in connection with your business or those of your spouse, partner or civil partner (not business partner).

If you require additional drivers to have business use or are uncertain about the type of use you require, please call our Customer Hotline.

If you are an existing customer, your policy documents will confirm which cover applies to the policy.

If you are in doubt about any of the above please contact the Customer Hotline on 0345 246 8701.

Please note: business cover is required where your occupation requires you or your spouse/partner to travel to more than one permanent place of work. You will need business cover if you or your spouse/partner has more than one occupation.

Source Article …

Free Car Insurance Quote – Save on Auto Insurance

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user’s own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third-party sites.

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, find a State Farm agent.

State Farm Bank (“Bank”) is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type or credit or service offered by visiting statefarm.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Mutual Automobile Insurance Company

State Farm Indemnity Company

Bloomington, IL

State Farm County Mutual Insurance Company of Texas

Richardson, TX

Source Article …

Auto Insurance Quotes – Car Insurance

A Message from CEO, Tom Wilson, on Allstate’s Shelter-in-Place Payback

Allstate is Here to Help

As we all work together to slow the spread of COVID-19, more of us are at home and driving less, which means having fewer accidents. Given this decline in driving, we are announcing the Allstate Shelter-in-Place Payback of more than $600 million with paybacks occurring during the months of April and May for our auto insurance customers.

Learn more about the Shelter-in-Place Payback, Allstate Identity Protection and how we remain committed to serving you.

Together, we will rebuild America after this pandemic.

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Car Repairs and Auto Insurance

Find tips on getting your automobile repaired and getting car insurance.

Auto Insurance

Auto insurance protects you from paying the full cost for vehicle repairs and medical expenses due to a collision. Some factors that affect the premiums you pay for this protection, include your:

  • Gender
  • Age
  • Marital status
  • Credit history
  • Car’s make and model
  • City and neighborhood

Types of Auto Insurance

Every state requires drivers to have auto insurance. If you don’t have insurance, you must have financial responsibility waivers. These waivers ensure that you can pay for property damages or medical expenses. There are several components that can make up your insurance policy: 

  • Liability coverage protects you if you are at fault for a collision. It pays for medical expenses and vehicle damage for the other driver and passengers. 
  • Uninsured motorist coverage pays for damages to your car and medical expenses if an uninsured driver hits your car.
  • Collision coverage pays to repair your vehicle, if you were at fault for the damage.
  • Underinsured motorist coverage pays damages for your car if someone hits it, but their insurance can’t pay for your car damages.
  • Comprehensive coverage pays for damage to your car due to theft, fire, or falling objects.

Auto insurance requirements vary from state to state. Most states require drivers to have liability coverage. You may choose to opt out of certain types of coverage, depending on your budget and car’s age. Check with your state insurance regulator to learn more about its requirements. 

Be sure to read the declarations page of your auto insurance policy. This page is a  summary of your policy. It includes: 

  • The length of coverage 
  • Annual premium
  • The largest amount your insurance company will pay out for each type of claim, and
  • How your insurance company splits your premium payment between each part of your coverage 

Car Repossessions

When you borrow money to buy a car or truck, the lender can take your vehicle back if you miss a payment or in some other way violate the contract. If have missed payments, your lender:

  • can repossess with cause without advance notice
  • can insist you pay off the entire loan balance in order to get the repossessed vehicle back
  • can sell the vehicle at auction
  • might be able to sue you for the difference between the vehicle’s auction price and what you owe (depends on the state you live in)
  • cannot break into your home or physically threaten someone while taking the vehicle

If you know you’re going to be late with a payment, talk to the lender to try to work things out. If you and the lender reach an agreement, be sure you get the agreement in writing. Contact your state or local consumer protection office to find out whether your state gives you any additional rights. The Federal Trade Commission offers more detailed information about vehicle repossessions.

Complaints about Cars

If you have a complaint about your car, file it with the dealer, lender, or manufacturer. If you don’t get

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Car Insurance Quotes, Auto Insurance by Esurance

Window shopping’s a great way to find affordable car insurance. Figure out which coverages you want beforehand. Then make sure each quote includes the same coverages and limits. This’ll give you a better apples to apples comparison.

You could also lower insurance costs by reducing your coverage limits and increasing your deductibles. Just know that a higher deductible typically means you pay more out of pocket for a claim.

Also, say your auto policy only satisfies your state’s minimum liability requirements. Your car insurance in this case might be on the cheap side. But it wouldn’t account for collision damage to your car. Nor would it step in if your ride was ever vandalized. Your wallet would be feeling it and we don’t want that.

In other words, “cheap” doesn’t always translate to the “best” car insurance.

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15 Tips and Ideas for Cutting Car Insurance Costs

Due to the litigious nature of our society and the increasing prices of vehicles, car insurance rates are on the rise across the country. The bad news is that insurance isn’t likely to come down in price anytime soon. The good news is that there are things you can do to minimize increases or reduce the burden on your wallet.

Key Takeaways

  • One of the ways to lower car insurance is through a discount bulk rate for insuring several vehicles and drivers at once.
  • Lower car insurance rates may also be available if you have other insurance policies with the same company.
  • Maintaining a safe driving record is key to getting lower car insurance rates.

1. Multiple Cars and/or Drivers May Save Money

If you obtain a quote from an auto insurance company to insure a single vehicle, you might end up with a higher quote per vehicle than if you inquired about insuring several drivers or vehicles with that company. Insurance companies will offer what amounts to a bulk rate because they want your business. Under some circumstances they are willing to give you a deal if it means you’ll bring in more of it.

Ask your insurance agent to see if you qualify. Generally speaking, multiple drivers must live at the same residence and be related by blood or by marriage. Two unrelated people may also be able to obtain a discount; however, they usually must jointly own the vehicle.

If one of your drivers is a teen, you can expect to pay more to insure them. However, if your child’s grades are a B average or above or if they rank in the top 20% of the class, you may be able to get a good student discount on the coverage, which generally lasts until your child turns 25. These discounts can range from as little as 1% to as much as 39%, so be sure to show proof to your insurance agent that your teen is a good student.

Incidentally, some companies may also provide an auto insurance discount if you maintain other policies with the firm, such as homeowners insurance. Allstate, for example, offers a 10% car insurance discount and a 25% homeowners insurance discount when you bundle them together, so check to see if such discounts are available and applicable.

2. Mindful Driving Cuts Costs

In other words, be a safe driver. This should go without saying, but in today’s age of increasing in-car distractions, this bears mentioning as much as possible. The more mindful you are, the more accidents or moving violations you’ll be able to avoid—events that raise your insurance rates. Travelers offers safe driver discounts of between 10% and 23%, depending on your driving record.

For those unaware, points are typically assessed to a driver for moving violations, and more points can lead to higher insurance premiums (all else being equal).

3. Take a Defensive Driving Course

Sometimes insurance companies will provide a discount for those who 

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AAA Auto Insurance – Car Insurance Quotes

*Average savings as calculated by the J.D. Power “2017-2019 Insurance Shopping Study as of April 2019.” See https://blog.jdpa.com/insurance/states-with-the-most-and-least- affordable-auto-insurance. See also, https://www.jdpower.com/business/press-releases/2019-us-insurance-shopping-study. The study is based on responses from more than 14,400 insurance customers who requested an auto insurance price quote from at least one competitive insurer in the past nine months and includes more than 38,800 unique customer evaluations of insurers. The study was fielded in April, July and October 2018 and January 2019. Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines and applicable laws.

Insurance premium does not include the price of Membership. Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws. Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.

A.M. Best Ratings located at www.ambest.com.

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Car Insurance Quote | The General Car Insurance

Car Insurance Quotes

If you’re looking for affordable car insurance quotes, you’ve come to the right place. The General® takes pride in giving online insurance quotes quickly, and in most cases, around two minutes. It’s that fast and easy.

Best part is, our auto insurance quotes are completely free. So if you like our rates (and we’re pretty sure you will), simply purchase your policy online and we’ll provide you with immediate proof of car insurance.

Heard enough? Get your free online car insurance quote now.

Receive a Car Insurance Quote in 2 Minutes or Less

A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.

Yes, all it takes is 120 seconds, and you could be on your way to saving money with The General, a car insurance company that’s been around for over 50 years. Pretty impressive, right?

So don’t just settle for any cheap car insurance quote. Get a free car insurance quote from a company that you know will be there for you in good times, and in bad.

Need Proof of Car Insurance Now?

Follow our 3 easy car insurance steps:

  1. Get an auto insurance quote.
  2. Purchase your vehicle insurance policy.
  3. Print proof of car insurance.

What Else Do I Need To Know?

You should know that not all car insurance companies are equal. While some claim they’ll provide quality auto insurance, they can’t always be relied upon in times of need.

The General® is a name that millions have come to know, depend upon, and trust. After you receive your free car insurance quote from us, you can be sure that The General® will have your back.

Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.

So what are you waiting for? Go ahead and get your free auto insurance quote online from The General® right now. And in just a few minutes, you’ll be protected by one of the most beloved Generals in all of automotive history.

Source Article …

Progressive: Ranked One Of The Best Insurance Companies

Over $750 average savings for new customers who save*

With Progressive auto insurance, you’ll enjoy affordable coverage options and a variety of discounts. Plus, you can get a quote in just a few minutes – get started now and enjoy peace of mind behind the wheel.

Why Progressive?: We guarantee repairs for as long as you own or lease your vehicle when you take it to one of our network shops.

Learn more about auto

Join the #1 specialty insurer starting at $125/year††

Whether you’re a full-time RVer or an occasional road-tripper, you’ll find all the coverages you need at an affordable price right here. Get a quote now and enjoy the open road without worry.

Why Progressive?: From windshield & glass coverage to emergency expenses, we have your road trip covered.

Learn more about RV

Ride with the #1 bike insurer starting at $75/year**

If you enjoy the freedom of the open road, then you’ll love the freedom of choice we give you with our coverages. Start your quote now and create a custom policy that protects your ride wherever the road takes you.

Why Progressive?: Your bike will stay just the way you like it. We use OEM parts for all repairs.

Learn more about motorcycle

Quote now & get covered for as low as $100/year**

With Progressive, you can take your boat to any lake or river, plus ocean waters within 75 miles of the coast. And we offer a variety of coverages to protect your boat and the good times that come with it. Quote now to get started.

Why Progressive?: With on-water towing, fuel spill removal, mechanical breakdown coverage, and more, you can float on without worry.

Learn more about boat

Safeguard your most valuable asset

Protect your home, belongings, and financial security with homeowners insurance. With a variety of coverages, and plenty of ways to save, you can create a policy that keeps your home safe and fits your budget. Get a quote today.

Why Progressive?: You can instantly compare rates and coverages from multiple companies side-by-side to find the right policy for you.

Learn more about homeowners

Cover yourself for everything your condo association doesn’t

Your home’s structure may be protected, but what about everything inside? With condo insurance, you can be covered for theft, damage, and more. Get a quote today for greater peace of mind.

Why Progressive?: We cover your belongings, temporary living expenses, home upgrades, and more so you don’t have to worry about gaps in coverage.

Learn more about condo

Protect yourself from damage, theft, and more

With renters insurance, your belongings are protected whether they’re in your apartment, backseat, or storage locker. Plus, if you can’t stay in your residence due to a covered incident, we’ll help pay for your temporary living expenses. Get covered today.

Why Progressive?: You can get a renters policy for less than $1 per day.‡‡

Learn more about renters

Build a mobile home policy that works for you

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