Nov/110
How to Get Cheap Car Insurance in Phoenix
Cheap car insurance in Phoenix – if you purchase Arizona’s minimum liability car insurance requirements – isn’t as costly as it is in some other states. In Phoenix, you must have $15,000 per person for bodily injury liability (this means two people must be insured for $30,000), and property damage coverage must be at least $10,000. Of course, purchasing more than the amount of liability coverage Arizona requires is always recommended. Having more insurance means you’re more adequately covered in the event of an accident.
Now that you know how much Phoenix car insurance to purchase, how do you begin finding cheap car insurance in Phoenix? Follow these tips.
Ask for advice. They say word-of-mouth is the best form of advertisement. Ask your family members, friends, neighbors, co-workers, and anyone else with who you talk about the insurance companies from which they purchase cheap car insurance in Phoenix. Focus especially on drivers who have vehicles similar to yours. These drivers are more likely to have the kind of Phoenix auto insurance policy you’ll need.
Check out companies. Once you’ve lined up a few Arizona car insurance companies that sound promising, check them out. Visit their websites and look through the kinds of auto insurance policies they offer. Speak with representatives about the kind of policy they can offer you specifically. Compare rates and coverage, and narrow your list to the ones that provide the exact coverage you need at a premium you’re willing to pay.
Solicit help from third-parties. Third-parties include those that don’t directly affect the purchasing process. Contact the Arizona Department of Insurance to find information about the companies you’re considering. Look up a few independent research companies to find the financial ratings of each company. You may even want to check out the Better Business Bureau to find out about any complaints that have been filed against the insurance company – particularly those related to auto insurance – and how those claims were handled.
Oct/110
Car Insurance Dispute? Discover Your Options
This article will provide you with some advice on what you can do if you’re having a hard time with your car insurance company. Don’t just sit back and suffer from their ignoring,stalling and disputing, there are things you can do to settle your dispute.
To begin with give your car insurance companies claims department a call. Remember, you’re the customer and your car insurance rates pay their salary. If the person you’re speaking to doesn’t seem to care about your situation, (always record the name of the person you spoke to and the date you called) then find and speak to their superior.
Have all the documents ready that prove your point and explain why you’re not satisfied. Send it to the person you speak to marked PERSONAL AND CONFIDENTIAL or e-mail it to them if they give you their direct e-mail address.
If you’re still not getting anywhere with your car insurance company, find out if your car insurance company has a complaints department. Follow the above steps again with the complaints department. Explain your situation to someone and if they don’t take any action follow up with a phone call to their superior and a letter or e-mail with supporting documents. Don’t forget to include a list of who you spoke to on each date and the result of the phone call.
If you still haven’t resolved your problem, contact your local insurance department. They can be reached by phone, mail, or often online. Most insurance departments can provide you with on the phone assistance to help resolve your dispute without requiring you to file a formal written complaint. If a written complaint is required, you may be able to download and print one from their website, fill it in at home and post it to them.
When you have filed your complaint your local insurance department will notify the car insurance company of the complaint. The car insurance company is required to respond to the insurance department within a fixed amount of time, generally between 10 to 30 days, depending on where you live.
When the Insurance Department has received a reply from your car insurance company they will investigate what needs to be done and will notify you. This process can take as much as 30 days.
Your claim should normally be resolved by now. Insurers don’t want to have the Insurance Department make a decision against them due to their power to levy a variety of penalties, ranging from fines to revoking the license of the car insurance company.
If you have read the above and make a decision it’s all too complicated you may decide to hire a lawyer who specializes in Auto Insurance. Lawyer’s generally work for either an hourly rate or on a contingency fee basis. Whatever you decide to do, make sure you get your lawyer’s fee structure in writing. You should also insist that you receive copies of all correspondence to ensure you stay up to date on the progress of your claim. You should also sure your lawyer is aware that he or she needs your agreement before any settlement is agreed on.
Sep/110
The 411 on Ladies Car Insurance
Typically, ladies car insurance has always been the least expensive compared to other demographic groups. This is especially true in the case of women who are under the age of 25. Why? Well, there are various factors that contribute to this including the fact that statistics show that women are low risk drivers and are less likely to get into an accident compared to men. However, most women make the mistake of not asking for a further reduction on their premiums because they feel as if the original quote is already quite reasonable compared to others. Settling for the first quote that you receive is certainly not a wise thing to do because you might be depriving yourself of further reductions simply because you failed to ask. Keep in mind that discounts are not handed out like candy; you have to ask for them.
Now, if you’re looking to get a discount on ladies car insurance, the first thing that companies would look at would be your driving record. If you have one that’s spotless, you have a higher chance of getting the discount compared to those that have gotten into accidents in the past few years. This is because these car insurance companies, much like other businesses, wouldn’t want to take any risks unless there’s something in it for them. Therefore, a driver with a spotless record gets lower rates.
You might also want to think about equipping your vehicle with various safety features such as airbags, anti-theft devices and car alarms. The more you invest in making sure that your vehicle is well-protected, the more favorable you’ll look to an insurance company. Now, do take note of the fact that this isn’t limited to ladies car insurance. Anyone who’s looking for a discount can try doing this in order to get a reduction on their insurance premium.
Remember that these companies are looking to protect their investment, so it would also be beneficial to your cause if you decide to take a defensive driving course. This should make them feel more confident in your ability as a driver and as such, give you the discount that you want. Last but not the least; you should also look around for the best rate available to you. Whilst ladies in general and those below the age of 25 often get favorable rates, it wouldn’t hurt to talk to a few insurance agencies before you finally settle on one ladies car insurance provider. After all, you would always want to get the most out of what you have to pay for.
Sep/110
Consequence of Lying to Your Car Insurance Company
Car insurance companies are very strict on their insurance packages and most times, they look at your details to be able to award you the necessary insurance. Therefore, it is not uncommon to find car insurance buyers looking for ways to falsify their details in the bid to reduce their premium price and get cheaper car insurance quotes. In fact, research has shown that in the UK alone, over 10% of all drivers have lied at a point in time about their details or records while in the US, it is estimated at a whopping 27%. Details that are mostly lied about include the age and address of the driver. In some cases, drivers have been known to leave out speeding tickets, drunken driving records and bans on driving they may have received.
Sadly, many drivers seem to think this is the norm and therefore lie about all these when they are applying for an insurance policy. And this is further influenced by the thinking that the companies are mandated to pay and reward them. Most informed drivers know that falsifying your records is seen as fraud while the uninformed drivers think it is ok to lie about their records. The truth is insurance companies are beginning to catch up with this trend and are taking steps against the frequent occurrence of such acts. One of these steps is in the installation of software that will function as a lie detector and will compare all the different data for traces of irregularities. Besides this, insurance companies now have penalties that are meted out on culprits of this act. These include:
1. Cancellation of the Insurance Policy.
All culprits will lose their rights to any form of insurance with the company of they are caught. This means that all the monies paid prior to that time will not be retrieved or paid back and the driver will forfeit all attendant benefits.
2. All Claims will be lost and denied.
All drivers caught in the act of falsification will be denied all claims. During accidents, most drivers and car owners resort to the insurance company to offer some form of relief. Even if the claims are genuine, the insurance company will desist from making the required payment if it detects false information.
3. Blacklisting in all car insurance companies
Depending on the severity of the false information, most insurance companies will willingly blacklist the driver thus making it really hard for him to drive his car.
4. May pay Fines
If the driver is found guilty of severe falsification or under the insurance act, he would be required to pay the sum of one hundred thousand dollars and another two hundred thousand dollars if there are other offences discovered.
5. Jail Terms.
In Canada, all offenders could face up to ten years in prison and may be forced to pay a sum greater than five thousand dollars if found guilty. So whatever the case may be, it is in your best interest to tell the truth at all times.