Auto Owners Insurance Company

The Auto Owners Insurance company was founded over 90 years ago and has been a Fortune 500 company for almost a decade with over 37,000 independent agents in 26 states. The company operates under a large system of independent agents nationwide offering a wide range of insurance products such as auto, life and home insurance.

In 2010 the number of independent agents offering Auto Owners Car Insurance products exceeds 37,000 agents. Considering the company advertises a “No Problem” claims service and believes personal contact is the best to handle a claim its refreshing to see this number of agents.



What is an Independent Insurance Agency?

To keep it simple, an independent agency is usually a smaller firm locally owned and operated by licensed insurance professionals who sell a particular firms product. For example you may see advertisements for a “Michael and Debbie Duo” with the auto owners car insurance company logo on the signs. Most likely Michael and Debbie are simply local insurance agents acting as an independent agent of Auto Owners car insurance company. This is very common in the insurance industry. Most consumers deal with independent agents but never realize it.

Downfall of Auto Owners Insurance Company?

The company has two major downfalls.
One is its geographic footprint. The Auto Owners car insurance company currently only provides coverage for drivers in 26 states. While this certainly is not a deal breaker for many if you do foresee moving or own property outside of this footprint then you have to consider things like (a) the possible loss of multi-policy discounts since Auto Owners may not be able to insure assets located outside of the coverage area and (b) the headache of switching car insurance companies again if you move.

The other downfall is online access. Auto Owners insurance prefers the personal touch which is quite commendable however we are also in a time when online account management tools allowing policyholders to make payments, print car insurance ID cars and handle claims is expected. The lack of this fairly simple technology will turn many would be policy holders away.

Auto Owners Car Insurance Rates – are they fair?

Auto Owners insurance is a Fortune 500 company mainly due to their auto insurance policy portfolio so the company is extremely competitive however every driver has unique needs so you need to compare car insurance companies to get the best rates.

Much like all car insurance companies the Auto Owners company has auto insurance discount programs for customer with multiple polices, vehicle safety features and most of the more common car insurance discountsavailable in the marketplace.

Source : Car Insurance

Allianz Car Insurance Reviews

Allianz Car Insurance Allianz Car Insurance ReviewsAllianz was founded in 1890 and is one of the largest providers of financial services in the world. With over 150,000 employees worldwide Allianz is a multi-billion dollar corporation with 2009 revenues hitting almost 100 billion euros.

Although Allianz is not a household name in the USA the company is the largest home and life insurance company in Germany. Allianz is one of only a small group of companies who can claim to have over $1 trillion dollars under management and is also one of the 5 largest asset managers in the world.

Allianz car insurance products are sold under the “the Fireman’s Fund” brand in the USA and includes some of the most impressive car insurance coverage we have seen. The Allianz Personal Auto Policy is underwritten by the National Surety Corporation and sold by independent agents in 11 states.

Allianz Car Insurance Benefits

While Allianz car insurance policies are not available in every state if you do own a vehicle and live in the footprint of the Fireman’s Fund auto insurance products you need to check out the product offerings. Allianz has a car insurance policy called the “Prestige Auto Premier” which includes such coverage as:

Rental car coverage up to $10,000 with NO daily limit (huge)
Worldwide coverage for rental cars or borrowed cars (huge)
ValueLock – this feature locks in the value of your car every year so you only incur depreciation against replacement value once a year
Choice of body shop and use of ORIGINAL manufacturer’s parts for repair
Payment to replace lost keys or retrieve locked keys
Good Student Discounts extended AFTER the age of 25 for those with a B average or higher
Pet injury coverage up to $5,000 for injuries sustained by your pert in a car accident

Where is Allianz car Insurance Available?

Allianz car insurance policies are currently only available in 11 states and not available online. You must either call the toll free number listed on the Allianz Auto Insurance website or contact one of the Fireman Funds independent agents. The Alliance car insurance company’s footprint currently is for residents of:

Arizona
Colorado
Connecticut
Illinois
Kansas
Maryland
Missouri
Ohio
Oregon
Tennessee
Texas

Allianz Collector Car Insurance

As one of the largest unique insurers in the world Allianz also provides classic car insurance coverage in the US. These specialized Allianz products provide coverage tailored to classic car owners more than almost all traditional car insurance companies offer including:

High Limits of Coverage
Agreed Value
Flexible Usage
Choice or Repair Facilities
High Liability limits
“For Display Only” Coverage


Allianz Downfalls

Allianz is a huge company outside of the US however they currently have only a small presence domestically with no online account management tools which may deter some consumers. In order to get a quote you need to find an independent agent and this can also distract consumers from enjoying the great coverage they provide. On the other side, when you find an Allianz car insurance agent you may just create a relationship for life.

Allianz Car Insurance Quotes

If you need car insurance and live in the Allianz company footprint always consider getting an Allianz car insurance quote. Get started – simply enter your zip code above to start car insurance quote comparison today!
Source : carinsurancecompanies.com

Where can I find cheap car insurance for new drivers?

CARS INSURANCE REVIEWS
It seems like prices today keep skyrocketing, and one thing that can get really expensive is car insurance. Because new drivers are more at risk, car insurance for these drivers can get high.
Fortunately, you can save money on car insurance by comparing car insurance companies for FREE and instantly by entering your ZIP code into our ZIP code search.

Teen Driving Statistics

Car insurance for new drivers is considered more at risk for an accident, so the insurance premiums are higher. The following are some statistics obtained by insurance companies on new drivers:
• There are more accidents by new drivers than any other groups of drivers in the insurance industry.
• Car accidents are the number 1 killer of teens in the United States.
However, if drivers can prove to the insurance company that they are not at risk for an accident, their premiums should be lower. Also, drivers should take the time to compare car insurance companies and try to find the cheapest auto insurance. An easy way to do this for FREE is by entering your ZIP code into our ZIP code search.

Ways to get Cheap Car Insurance

If you are patient and work hard, there are many ways to get cheap car insurance for new drivers:
• Drivers should be informed: They should not just accept that their rates are going to be higher just because they are a new driver. There are many ways to lower insurance rates. Drivers should research the companies and see who offers the best deals.
• Drivers should reassure the Company: Most companies have higher insurance cost for new drivers because they come with a high risk. Drivers can reduce their rate if they can prove that they have a good credit record with no blemishes. They can also lower their rate if they choose a safe and older vehicle.
• Drivers can build up Driving History: New drivers might first be on the insurance of a more experienced driver. They could start off sharing a car, so they can prove that they are a safe driver.
• Drivers can ask for Discounts: There are many companies that provide discounts for good grades.
• Drivers can attend a Driving Class: Most companies will lower their rates if drivers attend a defensive driving or other type of course.

Tips to Get Lower Premiums

Here are some ways to get cheaper premiums and possibly cut in half the cost of car insurance.
1. Raise the deductible.
2. Choose the state minimum for liability insurance.
3. Remove comprehensive and collision insurance on old vehicles. Repair costs might be more that what the vehicle is worth.

Cheapest Cars to Insure

Insurance on new drivers will be cheaper depending on the type of vehicle. Most of the time, inexpensive cars are cheaper to insure. In addition, domestic, 4 door vehicles and 4 cylinder motors and minivans are also less expensive to insure.
Most experts say that it is not wise to purchase an SUV for a new driver. They are more expensive, and are not considered safe.
When looking for an older vehicle, there are several factors to consider:
• Reliability
• Safety
• Price
If an individual chooses these features, they are more likely to obtain cheaper car insurance.

Ways to Influence Rates

There is an old saying that says, “You should lead by example.” A teen usually will model the parent. The premium can go sky high if the new driver immediately has tickets or traffic violations.
Parents should talk to their children about safety. The following are several things that parents can do to educate their child about safety:
• The whole family can even take a defensive driving course together.
• They can also teach their child how to handle rodeside emergencies. They should know how to change a tire, and they should know how a jack operates.
• They can also teach their child the dangers of drunk driving.
• They can teach their child the importance of driving within the speed limit.
If individuals can prove to the insurance company that they are taking safety measures, their car insurance could be less expensive.

 

Car Insurance Companies

Car insurance companies are very competitive, so it is very possible to obtain great rates, even if they are for new drivers. The best way to get cheap car insurance for a new driver is to shop around and find the best car insurance quotes.
Drivers will want to ask specific questions, such as discounts available, driving record and type of vehicle. Sometimes companies do not offer information, the individual just needs to ask the right questions.
The common discounts for new drivers are:
• Good grades: Most companies require a B or higher.
• Do not list the new driver as the primary driver: New drivers can list a parent or other family member as the main driver for the vehicle.
• Multi-car discounts: Most families have more than one car, so drivers can receive a discount for having more than one vehicle.
Individuals should obtain several quotes from insurance companies to see who will offer them the best rates. Drivers can get free quotes online to see what is available.
If drivers just spend a little effort lowering their rates, they can have extra money to spend on other things that they might enjoy.
So what are you waiting for? Start today and speak with car insurance companies about Cheap Car Insurance for New Drivers – use our ZIP CODE search to get FREE car insurance quotes today.
Source : carinsurancecompanies.com

AAA Car Insurance Reviews - TOP INSURANCE 2011

AAA advertises itself as the “Most Trusted Auto Club in America” with over 50 million AAA members nationwide.

With such a loyal following for AAA’s emergency roadside assistance club the next logical offering would be car insurance and the company has succeeded in obtaining millions of loyal customers. In comparison to insurance companies whose main product is insurance AAA is still a non-profit organization focused on helping members save money.Benefits of AAA Car Insurance
As an AAA car insurance company customer you will get advantages some insurance companies do not offer – such as the option to purchase an AAA Extended Auto Repair Warranty with such benefits as:

• Member Savings on Extended Warranty Plans
• Easy payment plans
• Transferable when you sell your car to a private party
• Your choice of licensed repair facilities throughout the U.S. and Canada

In addition, most AAA car insurance divisions (separated by regions – like AAA South, AAA Midwest etc.) offer discounts for prepaying your full 12 month policy upfront.  In contrast to most car insurance companies AAA also offers a 12 month policy. Many larger companies only provide a 6 month policy although generally renewed automatically.

AAA Car Insurance Discounts
As with many large car insurance companies AAA also provides many types of personal insurance policies such as Home Insurance, Life Insurance and Health Insurance all under the AAA brand name. This can mean substantial savings to consumers who opt at use the AAA insurance company for multiple policies. In fact when you purchase AAA car insurance its possible to save almost 20% in premiums should you purchase other AAA insurance policies.
 
How to Contact AAA Car Insurance
Since AAA offers various products according to where you live you can either call their toll free number or visit the company website which will automatically direct you to the division which handles your area of residence by identifying your computers IP address.
We can also help you find car insurance companies locally so use our ZIP CODE search to find local car insurance companies and compare car insurance companies online.
Search : carinsurancecompanies.com

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AIG Car Insurance Reviews - AUTO INSURANCE

AUC.com - AIG auto insurance is a product offering from AIG – one of the largest financial companies in the world however AIG has also been at the forefront of the Wall Street bailout news with many rating agencies downgrading the company and questions about its long term survival are still discussed by many financial experts. With headquarters in New York, The AIG car insurance policies were sold though the AIG Direct brand until it was later sold to 21st Century Insurance and then sold again as part of the Farmers Insurance Company acquisition of 21st Century.

How to get an AIG CAR Insurance Quote
While AIG car insurance reviews were good the AIG car insurance policy does not exist any more and you need to contact Farmers Car Insurance division or compare car insurance companies online to choose one from the many nationwide and local car insurance companies who offer coverage.
AIG / FARMERS Car Insurance Discounts
Saving money on car insurance is very possible with Farmers Car Insurance much like most national car insurance companies. Many offer car insurance discounts such as rewards for safe driving, vehicle safety equipment, multiple insurance policies held by the same consumers and more. Many consumers enjoy the customer service and reputation of Farmers Car Insurance so although AIG Car Insurance is no longer available consumers still have a very good choice for the car insurance products AIG used to offer.

How to Contact Farmers Car Insurance
Since Farmers car insurance offers various products according to where you live you can either call their toll free number or visit the company website to contact a Farmer’s insurance agent
We can also help you find car insurance companies locally so use our ZIP CODE search and compare car insurance companies online.
Source : carinsurancecompanies.com

21st Century Car Insurance Review

UAC.com - Thinking of choosing 21st Century Car Insurance for your next auto insurance policy? In addition to our 21st Century Car Insurance review you can also compare other car insurance companies to help you decide whether or not 21st Century Car Insurance is right for you. Remember, you have many car insurance companies to choose from so take a few moments and enter your zip code to get car insurance quotes from car insurance companies near you today.

About 21st Century Car Insurance
21st Century Car Insurance is now part of the Farmers Insurance Group of Companies®, the third largest personal lines insurer in the United States. 21st Century issues a wide range of insurance policies from auto insurance to mobile home insurance to classic car insurance. Currently they offer insurance products throughout most of the United States under companies using the 21st Century brand such as:

• 21st Century Pacific Insurance Company
• 21st Century North America Insurance Company
• 21st Century Centennial Insurance Company
• 21st Century Premier Insurance Company
• 21st Century Insurance Company

21st Century Car Insurance Reviews
As one of the larger insurance companies 21st Century Car Insurance company provides a number of options to help policy holders enjoy peace of mind including an easy to navigate (although content limited) website with an online claims processing option. The company also actively promotes free 24 hour emergency roadside assistance along with other benefits for their car insurance customers.
Getting a car insurance quote from the 21st Century Car Insurance Company is very similar to most car insurance companies as you simply enter your zip code on the home page or call an 800 number to speak with an agent. The process is relatively simple.
The one thing we did find missing on the company’s website however are links to any awards won through customer service rating agencies so it’s hard to tell whether or not their main focus is on price or customer service. Source : carinsurancecompanies.com