03/13/2018

Why getting an anonymous online auto insurance quote is a waste of time We have all seen those commercials on TV about getting an anonymous online auto insurance quote. It sounds like a great idea. But in reality, it is really a complete waste of time! Getting an auto insurance quote online anonymously has major flaws as far as how such a quote is calculated. This article will explain why this is a bad idea…. There are two major shortcomings to getting an anonymous online auto insurance

02/20/2018

Finding insurance coverage on A Polaris RZR or any other ATV/UTV is very easy to find.  However, if you decide to have this vehicle licensed for road use, your choices are much more limited.  The bad news is that many insurance companies that cover ATV’s such as a Polaris RZR and will not offer coverage once the vehicle gets licensed for road use.  The good news is that there are still many companies that will.  You just have to dig a little deeper and look in the right places.      For

12/28/2017

Why Hagerty Auto Insurance beats insuring a classic car vs. a regular auto insurance policy. Ask any classic car owner and they will tell you that their car is their baby! And they like to treat their car as such, handling it with kid gloves. Why not treat your baby the same way with your auto insurance coverage? Unless you use your classic car as an everyday use car, it makes no sense to insure it under a regular auto insurance company. Hagerty Classic Car Insurance offers much better

12/22/2017

Why are Bill Collectors chasing me after an old Auto Insurance policy?   This happens quite often when people switch auto insurance from one company to the next. Then sometime later, they get a surprise call or letter from a bill collector wanting money…. Many times, people will also discover that it has caused a ding on their credit score…. What happened? What caused this? Here’s the deal: There is a right way and a wrong way to cancel an old auto insurance policy. If you have received a

10/20/2017

Does my auto insurance cover me against a hit-and-run driver? Let's suppose you're driving along one day and some idiot crashes into you. The only thing that is more frustrating is when that idiot takes off and flees the scene of the accident. A lot of people have been caught running from accidents for various reasons, and a lot of people have taken off and got away with it. The real question is…. how does an accident involving a hit-and-run driver get covered on an auto insurance policy?

10/19/2017

My agent says my car’s VIN# is off. What should I do? A vehicle’s VIN number is a 17 character combination of both letters and numbers that identify your vehicle much like a fingerprint identifies people. With a little bit of research, you can find out quite a bit about your vehicle. Things such as when and where your vehicle was made, vehicle size, engine details, etc. But most of us don’t care about that. We only care about our vehicle’s VIN# when it causes problems. As an auto insurance

10/18/2017

How do single car accidents show up on my driving record? Crashing into another vehicle is one thing. But what happens when there is only one vehicle involved in a crash?  More importantly, how does it show up on a driving record and affect the driver’s auto insurance rate? The bad news:  If an auto insurance claim was paid out, if a police citation was given out, or if your state’s BMV/DMV finds out about it, it almost always goes on your record as having an At-fault accident.  This might

10/17/2017

I don't understand liability auto insurance. What do the numbers mean? I am amazed at how many people select their level of liability auto insurance coverage without even knowing what coverage they're buying. It only takes a few minutes to understand how liability coverage works, and it is very important coverage to have. You need to understand liability coverage in order to be able to get your coverage at the level you need it to be. There are two ways for auto insurance companies based

10/16/2017

Should I select disappearing deductibles coverage on my auto insurance policy? If you are carrying comprehensive and collision coverage on your auto insurance policy, your auto insurance company may give you the option of selecting disappearing deductibles. The way this works is that for every policy period you go without filing a claim, your deductible will be lowered by a certain percentage (usually 25%). So after you have went claim free for as ever many policy periods it takes to make up

10/15/2017

Is it worth it to select the Paperless Discount on an Auto Insurance policy?   Many auto insurance companies offer a paperless option on your auto insurance policy. While there are some documents that state law requires be sent via US mail, any other documents will get sent to your email address instead if you choose the paperless option. Most companies offer discounts for selecting the paperless option. How much of a discount varies. Some companies don’t offer give any discount at all. But

10/14/2017

What is “Other than Collision” Coverage? “Other than Collision” (OTC) is just another term for “Comprehensive” coverage on an auto insurance policy. They are the exact same thing with no difference between the two. Many states and many auto insurance companies prefer to use the (OTC) term instead of “comprehensive” to avoid confusion. “Comprehensive” is somewhat a misleading term regarding auto insurance because it implies that an auto insurance policy is about as well covered as it can be.

10/13/2017

If my garage burns down with my car in it, which insurance pays for the car? Hopefully, no one ever has to deal with this question… But it has happened before plenty of times for an insured to wonder …. If there’s a fire that catches to the garage while a vehicle is parked in it, which insurance pays for damage to the vehicle, the homeowners policy or the auto insurance policy? Answer: The Auto Insurance policy would pay, as long as the insured has comprehensive coverage on the vehicle.

10/12/2017

What is a Virginia FR44 Auto Insurance filing? An FR44 auto insurance filing is a rare form of state filing (only Virginia and Florida have them) that drivers need to have attached to their auto insurance policy in order to keep their driver’s license valid. Most drivers are required to carry an FR44 filing after getting a DUI, or some other type of criminal charge. An FR44 simply attaches onto your auto insurance policy and acts as a “tattle-tale”…. That is, if an auto insurance policy that

10/11/2017

Why is there a cancellation notice on my auto insurance bill?     You’ve been making all of your auto insurance payments on time. And surprisingly, when the next bill comes in the mail, you see that there is an “Intent to Cancel Notice” or “Notice of Cancellation” (or something similar) included on your bill…. What’s going on?!     I used to get calls like this from worried customers every once in a while. But recently, it happens a lot more often. In the past people were likely to get these

10/10/2017

What is a Named Operator (aka non-owner) Auto Insurance Policy?      A named operator policy is a special type of auto insurance policy for people who need to have auto insurance liability coverage but don’t have a vehicle to insure. A named operator policy offers liability coverage, medical payments coverage, and uninsured motorist bodily injury coverage just like a regular auto insurance policy does. However, it does not offer comprehensive or collision coverage, since there is no vehicle to