about 3 hours ago - No comments
Question by rocktcasbah2000: I have Mercury Vehicle Insurance, what should I watch out for? I recently opened up a policy with Mercury vehicle insurance because they gave me the best quote. A month later my roomate was doing research and found a big amount of people giving bad reviews of Mercury vehicle insurance. Since I
about 3 hours ago - No comments
Question by : What’s the best auto insurance for teenagers? I’m a female, 17 & about to get a car. I was wondering what is the best/cheapest auto insurance for me to get. —————————————— Answer by Umair Bin AhmedCheck here and Get free insurance quotes, compare plans and save big! http://goo.gl/7oGna Answer by drumpackWell I
about 1 day ago - No comments
Question by Help_Me: What’s the cheapest best vehicle insurance in Pinella’s County Florida or how can I find out? My Mother’s using the AARP insurance for her vehicle and it just went up. Is there a way to find out what might be cheaper than that without filling out all those quotes with your presonal
about 1 day ago - 1 comment
Question by : Where is the best place to get an auto insurance quote? Where can I get a free auto insurance quote? —————————————— Answer by MikeThere’s a couple of place on the world wide web that offer free auto insurance quotes. Jut be sure to find a reliable source. I will provide you with
about 2 days ago - 6 comments
Question by Jenni B: Can anyone suggest a good vehicle insurance company? I’m just looking for some quotes at the moment. To narrow it down: I have been driving for 4 yrs. No accidents. Gieco, State Farm, and All State are not available in my area. Anyone have any experience with any other good automobile
about 2 days ago - No comments
Question by Phillyfan23: Are there auto insurance options for poorer people out there? I am getting high quotes from the auto insurance places, like 200 a month plus….this is mainly due to a lapse in coverage since i was not driving for a while…but i really would like to get my premiums lower than this…is
about 3 days ago - No comments
Question by monica a: vehicle insurance i dont agree to terms offererd do i have a choice and if so what are my options? i was involed in a vehicle accident the damage was driver side wing . the quote was pricey and insurance said vehicle was a write-off and offered book price i do
about 3 days ago - 3 comments
Question by Joe B: What to do when your Auto Insurance Agent calls you up and cries on the phone and threatens you, Do you change Agents or the Insurance Co? I filled out a questionare rating how pleased I was with the service from my Insurance Agent, I gave him low marks cause he
about 4 days ago - 2 comments
Question by : where can i get the cheapest vehicle insurance in MI? i need vehicle insurance NOW! lol The lowest quote ive gotten was 163 from progressive. —————————————— Answer by MarcusHere in CA, mine is 82.00 a month! Answer by PatrickThere are plenty of websites that you might look at. However try one of
about 4 days ago - No comments
Question by Ana Mossa: What is the cheapest auto insurance in general/in NM? I feel like i’m paying too much for auto insurance (i have aaa) what other insurnce cold I get that will be the cheapest, I do not drive my vehicle all that much, I just want the cheapses rather than nothing. ——————————————
about 1 year ago
Of course! One of the questions in the applicationt that must be answered truthfully is similar wording to “please list all accidents you have been involved in as a driver, whether at fault or not, in the last #x years”. They also ask for the approximate amount of any claim associated with the accidents. Some companies want 3 years, some 5, and they do check. If they issue a policy immediately based on falsed information, you would receive a registered letter within days, possibly cancelling it, or increasing premiums substantially. In my office, sometimes I would fax an application and receive a phonce call back within half an hour asking why a certain accident hadn’t been declared by the applicant.
about 1 year ago
Most of the time, yes they will find those prior claims.
Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company.
Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.
Because your rate went up due to the claims, it’s not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
about 1 year ago
yes they will find it. when you get a quote they may not run your reports so its up to you to be honest about any points or accidents on your record. if you dont tell them they WILL run your records when the policy is issued and then your premium will be higher than the quote and they have the right to cancel the policy with notice. its probably better for you to wait until your record is clean again before you switch
about 1 year ago
Yes. Most insurance companies subscribe to a service called “CLUE”. It’s basically a data bank where companies share claim information with each other.
Most companies will order a “CLUE” report before issuing your policy and find out that you have had previous claims. It is always a good practice to go ahead disclose this information up front, if not the rate that you are quoted will not be accurate.
I would suggest getting as many quotes as possible!
Because rates vary hundreds of dollars with companies you might be surprised to find out that by comparison shopping your maybe able to get insurance through another company without seeing a huge increase.
As mentioned already the key is to getting as many quotes as possible. The easiest way to do this is by using free on line insurance rating services. I read a statistic that people who use these services usually save an average of 30%-40%. If that holds true for you then it basically you would most likely be able to keep your rates close to what you are currently paying.
There is a consumer site that I came across at: http://www.InsuranceEasy.org that has links to free quoting services that are reliable. By using each of the links listed on their auto insurance page you will end up with the 5 or 6 best quotes from hundreds of companies.
Hope this helps!
about 1 year ago
THE ANSWER IS YES!!!!! 99% of all insurance carriers report to a service similar to a credit bureau. Then all the other companies can pull your DRIVING RECORD which is what the DMV has on record for you and a CLUE REPORT which is a record of claims and accidents (shows everything from major accidents down to towing and rental claims). I hope this helps.