September 2, 2010 - 6:20 pm
Posted in Quotes | 5 comments
Question by Jordy M: Automobile insurance quote before buying ?
Was thinking about buying a vehicle (first car) just to run around in for a while before I actually buy a better one when im older but want to ask a question. When buying a car, should I get an insurance quote first, then buy ? [...]
September 2, 2010 - 6:18 pm
Posted in Online | No comments
Question by : how can i buy the vehicle insurance online?
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Answer by Ol’ ‘55Find a good one then follow the buy button.
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Add your own answer in the comments!
Related posts:Q&A: WHERE DO CAR INSURANCE COMPANIES GET YOUR DRIVING RECORD IN CA?
AUTO INSURANCE QUOTE WITH UNREPORTED ACCIDENTS? WHAT WILL HAPPEN?
I STARTED REQUESTING AN ONLINE CAR INSURANCE QUOTE [...]
September 2, 2010 - 6:17 pm
Posted in FAQ | 5 comments
Question by bigdogchris: How do I make an auto insurance claim for scratches through auto owners?
I bought a used vehicle a few months ago that had a near flawless finish. Over the past few months it’s been scratched several times by my nephew on his bike. We have talked and now I need to file [...]
September 1, 2010 - 5:25 pm
Posted in Quotes | 1 comment
Question by ilovecats: How to shop for vehicle insurance rates?
I need to find vehicle insurance rates to compare, but I can’t find a site that lets me do a comparison and get results on the internet. I do not want to give them my phone number and email because I know I will be spammed [...]
September 1, 2010 - 5:19 pm
Posted in Online | 2 comments
Question by Travis C: where can i Get auto insurance on the web in canada? now?
NEED HELP NOW
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Answer by innerbanksGo to GOOGLE;
enter “online auto insurance”
check out the scores of companies.
Good luck
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What do you think? Answer below!
Related posts:Q&A: WHERE DO CAR INSURANCE COMPANIES GET YOUR DRIVING RECORD IN CA?
AUTO INSURANCE QUOTE WITH UNREPORTED ACCIDENTS? WHAT WILL [...]
September 1, 2010 - 5:19 pm
Posted in FAQ | 3 comments
Question by needautohelp: If I have a combined auto insurance policy with my my spouse, does the claim history follow both of us?
I have an auto insurance policy with my spouse. He was in an accident and filed a claim. He is not planning to buy another vehicle and is going to use public transport. [...]
August 31, 2010 - 4:34 pm
Posted in Quotes | 5 comments
Question by mplsundin: Automobile insurance companies willingness to pay a claim?
I’ve been looking at several different vehicle insurance companies to compare rates and services. I have never had a claim in the past, but I was wondering if anyone had positive/negative feedback they had be willing to share about any specific companies and how they [...]
August 31, 2010 - 4:34 pm
Posted in Online | No comments
Question by L.G.H: how do i find an on the web school with auto insurance class?
I can not find the information i need to start an auto insurance broker buisness
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Answer by TomYou can easily compare info about these schools in this site – schools.iblogger.org
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What do you think? Answer below!
Related posts:Q&A: WHERE DO CAR INSURANCE COMPANIES [...]
August 31, 2010 - 4:34 pm
Posted in FAQ | 1 comment
Question by josiefine99: What is the penalty for giving invalid auto insurance information at the scene of an accident?
In the state of Washington what happens when invalid auto insurance is given at the scene of a minor traffic accident?
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Answer by bookcrosser_raerae78The other party if they do not obtain current insurance information from you has the [...]
August 30, 2010 - 3:28 pm
Posted in Quotes | 1 comment
Question by Clark: I’ve just been on a ‘compare site’ looking for vehicle insurance?
I’ve had a quote for 100 less than my own. I pay a broker to search for the cheapest deals and I have found plenty cheaper than the quote they have given me. How come they have not found the cheaper ones [...]
July 3, 2010 - 7:33 am
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.
July 3, 2010 - 8:20 am
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.
July 3, 2010 - 8:34 am
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
July 3, 2010 - 8:48 am
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!
July 3, 2010 - 9:04 am
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.