It’s easy to see which company is least expensive, but when you need them to cover a claim, what kind of job will they do? To put it another way, which is the most reliable insurance company?
Here’s some quick tips to help you choose the right insurance company for you.
1. Visit your state's department of insurance and check consumer complaint ratios and basic rate comparison surveys.
2. Get in touch with local body medical practitioners you trust and ask which insurance companies they recommend.
3. Consider contacting an insurance agent for additional information about a particular insurance company.
4. Check out the financial strength ratings for an insurance company by referring to the A.M. Best and Standard & Poor's ratings.
There’s so much to think about when looking for the right insurance company; we’ve already found the best links below to help you get the right information fast.
The right information can go a long way when you're shopping for car insurance. You can shop for car insurance either online or face to face with a car insurance agent.
Some companies that sell car insurance policies online, as well as the companies that sell car insurance policies traditionally, can make independent decisions about the expenses they incur and the prices of their products. So you might not necessarily get the same quote with the one company either.
When you complete a quote make sure the car insurance company only collects information necessary to provide accurate car insurance quotes. And ensure the information is limited to people involved in processing this information for sales, customer service or claims service.
Also for coverage purposes, sometimes all family members of driving age who are residents of your household might need to be listed on your car insurance policy to protect both you and the insurer. So don’t forget to ask and make sure everyone is either covered or excluded.
What is the car insurance definition of an accident?
Accidents include at-fault, not-at-fault, reported and unreported collisions that you, as the driver, were involved in. Not at fault occurrences in which your parked vehicle was damaged in a collision also are considered accidents.
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How do I choose a good Insurance Company?
Tips For Winter Driving
Winter driving can be hazardous and stressful. Wind, snow, ice and blizzard conditions increase the normal dangers of driving. There is a lot you can do before the winter driving season and during a storm to protect yourself and your family.
Before winter arrives, have your car inspected to be sure it is ready for the road conditions. You can do this yourself or take it to a qualified mechanic. Check the battery, wipers and fluid, thermostat, brakes, ignition system, antifreeze, exhaust system, lights, oil level, heater and defrosters. Make sure everything is in good working order to keep you safe throughout the cold weather.
Check your tires to be sure they are road ready. Install tires that are appropriate for the driving conditions. In moderate amounts of snow, all weather radials will do the job nicely. If you live in a climate where you experience a lot of snow, consider snow tires. These have better tread to deal with snow and ice.
Prepare an emergency kit to keep in the back of your car. This will ensure that you are prepared in the event that you get stuck in the snow. Things to include in the kit:
Ice scraper
Small broom
Small shovel
Kitty litter or a bag of sand (to give traction if you get stuck in snow or ice)
Blankets or a sleeping bag
Flashlight with batteries
Flares or warning triangles
Plastic bags
First aid kit
Tool kit
Jumper cables
Bright cloth to use as a flag
Help sign for back window
Extra hat and gloves
Food and water to sustain you if you get stuck
A book or Prayer Cards to keep you busy and calm in the event you get stuck.
Charged cell phone (always carry this, especially in the winter)
Keep your gas tank at least half full at all times. This adds weight to the car and will ensure that you won’t run out of gas in the event you get stuck.
Driving in the Snow
Pay attention to the weather forecasts and road conditions in the winter months. If the weather is bad, stay home if at all possible. If you must venture out, travel in the daylight. You are more likely to find help if you get stuck during the day. Never warm up your vehicle in the garage. This releases carbon monoxide, which is toxic and can kill you.
When driving, always wear your seatbelt. Wear sunglasses to protect your eyes from the glare of the sun reflecting off the snow. Know your car and how it handles in the snow. Features like traction control and antilock brakes can be useful in bad weather conditions. Know how these work and if your car is new, practice driving it in a snow covered parking lot before venturing out on the road.
Take it slow, especially in icy conditions. Don’t tailgate and be sure to allow a safe distance between vehicles. Do everything slowly, stopping, accelerating and turning. Leave plenty of time and space to maneuver. Sliding and skidding usually happen when turning, stopping or accelerating. Going extra slow will ensure your safety.
If the visibility is low, slow down even more. Consider getting off highways and driving even slower. This will take you out of the path of large trucks that can cause accidents. Use only your low beams, as your high beams will reflect back off the snow and won’t increase your visibility. Turn on your hazard lights to be sure other drivers see you.
In the event your car gets stuck, don’t get out. Put up the hood and tie your cloth to the antennae. This will make you more visible to emergency vehicles and other drivers. Keep the windows, air grill and tail pipe clear of snow. Wrap up in blankets and huddle up with passengers to stay warm. Run the heat for fifteen minutes each hour to keep from freezing. Move your body around to stay warm.
Keeping your car clean throughout the winter is important. Salt on the roads is important for safety, but will wreak havoc on the finish. If left on for long periods, it can cause rusting. Wash your vehicle weekly to remove salt and wax to protect the paint. Salt also leaves a coating on your headlights that can impair their operation. This will make you less visible to other vehicles. New Lite Headlight Cleaner and Restorer will return the lights to like new condition.
Easy Guide To Car Maintenance
Don’t let the thought of car maintenance intimidate you. There are actually several car maintenance tips you can do – even if you’re totally mechanically-challenged!
For instance, you’ll want to keep your windshield washer fluid reservoir full. This involves screwing off the cap and pouring windshield wiper fluid in the right spot. You can quickly check the fluid levels when filling up at the gas station.
While you’ve got the windshield washer fluid out, pour some on a rag and clean the bug guts, etc. off the wiper blades.
If you see any colored fluid leaking from your car, get it serviced immediately.
If you smell any peculiar odor coming from your car, take it to the nearest service station. Odors mean something inappropriate is going on under the hood of your car!
Every fall, go ahead and replace your wiper blades. You need new ones once a year – might as well get them before winter sets in and you’re wiping away that ice and sleet!
Be sure all your lights are clean and working, including brake lights, turn signals and emergency flashers. You can perform this quick check while filling up your gas tank.
Check your tires once a month – give a look over for cuts, bulges, or nails or other foreign objects sticking out.
Take your car to your friendly serviceman once a month and have the pressure in your tires checked. This service should cost you less than five bucks, if anything.
Every three months have your oil and oil filter changed. Many times an inspection is done during the oil change. It’s worth it to pay a little extra if you have to and have this done. Ask to have your battery checked, too.
Have your air filter changed when it gets dirty. You can ask the folks who change your oil to check the air filter. They’re happy to change it for you.
No matter how non-car savvy you may have felt in the past, finding that you can do some simple maintenance checks puts you in the driver’s seat. You’re likely to discover in advance if your car has a problem that should be taken care of immediately.
