When looking for auto insurance we all want the same thing – to do money. This is especially true given the new economic times. However, the current trend is to scour the internet searching for the best deal in car insurance. This, while useful at times, is often confusing, time consuming and even overwhelming – it would take days to search through all the available auto agencies online. Therefore, it is often much easier and more time effective to search the old fashioned way, pull out the phone book and call local agencies for. Searching among local insurance agents often offers various benefits.
Everyone, it seems, guarantees that they will save you money on your current insurance rates. Geico promises 15% or more, Progressive promises to compare quotes for you to find you the best rate; Allstate promises “you will place more”; State Farm promises the “best rates”; and the list continues on. Undoubtedly, all these companies, and many others, honestly are eager in saving you money, they want your business and in order to get your business they have to be competitive in their pricing.
Nevertheless, almost all these companies’ websites use fairly generic information forms when generating your car insurance quotes. These estimated quotes are often much higher than what they would be if you where to actually visit these agencies in person or speak with an agent. These is because local insurance agents also want your business, often more so than a national company, and are aware of the prices online and are likely to be wiling to do whatever they can to beat any online price you may catch. A good example of this is my experience with Allstate.
When I entered my information into Allstate’s online quote estimator the estimate was just over $1000 every six months or $180 a month. My wife and I have two cars, and have totaled one with in the last year, and have been in three other accidents (it has been a banner year). However, when I went into a local Allstate agent’s office he quoted me an insurance premium which was much less: $790 for six months or $132.38 a month. I was surprised at the difference. This may not always be the case, but often is. If you are truly looking for the best auto insurance rate available to you it would be worth your while to devote at least half of your looking efforts towards local agencies. Sometimes the best deals are with local car insurance agents who sell for a larger national company.
Filed under State Farm Auto Insurance by on Mar 14th, 2011. Comment.
There are several cheap car insurance companies. Listed here are a few and a review of what information is contained on their websites.
Progressive has claimed to be a cheap car insurance company. They offer services such as 24/7 claim service, pet accident insurance, and someone to assist you with buying a car if yours gets totaled, and discounts for a safe driving relate and having more than one car insured with them. In completing a quote, individuals are asked to provide the car that they drive, personal identifying information, and whether they have any driving violations. Individuals are then offered a choice of what kind of car insurance they would like, and the amount of money they could pay for each of those insurances, which may or may not be cheaper than what they are already paying.
Geico also has claimed itself to be a cheap car insurance company. Their claim is that 15 minutes could set aside you up to 15 percent on your insurance. One bonus with Geico is that they do provide all the different coverages that are available and that you the consumer should consider having on your policy. I started a quote from them but became frustrated at the amount of information that they required. Some personal information I was allowed to opt out of giving like my phone number and social security number, but others I was not like my occupation and how distinguished I am paying for my insurance currently. Geico does not provide coverage in Massachusetts.
Allstate is going a different route in being a cheap car insurance company. Their claim is a expedient driving bonus for every 6 months an individual goes without an accident they can earn up to 5% of their premium. They can also earn money off of their deductible. Individuals can also receive a quote online.
State Farm can also be considered a cheap car insurance company. They offer to their individuals information such as how great insurance do they need, what affects the price of their insurance, what are coverage and deductible options, and auto insurance discounts. They offer discounts for Multiple Vehicle, Multiple Line, New Vehicle Safety, Accident Free, Anti-Theft Draw, Defensive Driving, Good Driving, Good Student and, Driver Training. Individuals can get a quote online in about 15 minutes.
Nationwide is also a cheap car insurance company, because they claim that you can save up to $500. They offer 100% guarantee on repairs for as long as you own the vehicle. They offer 24/7 claim service. They also offer free On Your Side Reviews to wait on you with choosing discounts and coverage that are right for you.
Amica also claims to be a cheap car insurance company. They do not offer much information about their auto insurance online. However, you can complete a quote online.
Esurance offers the most information about cheap car insurance companies. Esurance allows individuals to obtain a quote that compares auto insurance rates. This allows the individual to pick the best insurance information for them. Individuals can then grasp the policy right online. Esurance claims that if another company offers a cheaper rate you can purchase the policy.
Filed under State Farm Auto Insurance by on Feb 24th, 2011. Comment.
Vandalism is defined by the Mirriam-Webster dictionary as willful or malicious destruction or defacement of public or private property. What isn't well known is that the term Vandal comes from the word Vandilii which refers to a Germanic tribe who once established themselves as a major force over a large share of North Africa around 429 A.D.
You might be asking yourself at this point, “What the hell does this have to do with huge customer service? ” Well, when your property gets vandalized I'm sure one of the first thoughts that goes through your mind is, “Who could have done this? ” Of course it's not the Vandilii tribe but vandals calm lag our streets destroying property. The next thing that goes through your mind is, “I have to call people for help!”
I recently had an experience with vandals and if it hadn't been for the great customer service I received that day from several sources there's no doubt my day would have been hell on earth. Let me tell you about it.
One Sunday morning my wife decided to get some groceries and so she jumped into one of our Honda Elements and proceeded to drive away. She was able to get out of the driveway but realized something was horrible wrong. As I was sitting on the floor playing with our children I saw her arrive in and knew something was wrong by the gaze on her face. She then told me that the car had been vandalized so I snappy went outside to have a peek. Three of our tires had been punctured, the rear raze had been egged and the antennas on both our Elements had been stolen. I though out loud, “Who the hell did I piss off!” I stood there pondering our dilemma when I happened to recognize over at the neighbors car and wouldn't you know, they had a flat tire also. Whew! Maybe I wasn't such a jerk after all. One can only hope. This prompted me to take a fling around the neighborhood and I found seven cars with flat tires and a few with egg on them as well. I made up my mind and called the police.
Now begins my journey into the world of customer service. I imagined the police officer that would approach would be cold, distant yet efficient. He was efficient but I was greatly surprised at how well he conducted himself. I didn't expect him to be rude but I understand the police have to distance themselves in order to do their job. Officer Valverde was anything but. Officer Valverde arrived on the scene and took my information first because I called and he was kind and conducted himself professionally with a dash of empathy.
The morning was shot to hell and surprisingly I didn't feel inflamed or stressed. The contact with Officer Valverde had put me at ease and allowed me to get on with my day. The next step we took was calling our insurance company State Farm. Well, not call but file a claim online. It was Sunday and we knew we wouldn't be able to speak with a claim rep until Monday morning so we consigned ourselves to file a claim and wait. The problem was we hadn't logged into our epic for years and didn't know our security questions. Who the hell can remember what color their first car was? Apparently everyone but us can. Anyway, we called the assist line and got connected with Marlene from State Farm Internet Support. Marlene was fantastic! She was able to help us get logged into our account and she even laughed at my jokes. When I finished with Marlene my wife and I realized that we didn't need to log into the account to file a claim. I didn't feel it was a destroy of time because I had such a great time talking to Marlene who only made the day better.
So our claim was filed and we were instructed to wait for a call from the claims office during normal business hours. If you're like me then you know how hard it is to wait for a call back. Promptly at 8 a.m. the next day I took matters into my own hands and called the claims office. You see I had to work later that evening and it would be hell without a vehicle. The young girl who answered the phone told me Katy Pauly with State Farm claims would be calling me back as soon as she could. I immediately conception, “Oh! Great! I'm going to have to wait a few days for the call back.” I was way corrupt! Katy called me 15 minutes later and walked me through the process. She helped me select a repair facility and car rental agency. I asked if I should call them myself and she said no she was going to send them documents and they would call me. Aye! More waiting? I was done with Katy and felt relieved that things were getting done plus the fact that Katy laughed at my jokes.
It was still early so I thought I'd sit back and have a cup-of-joe but that was not to be. Ten minutes later I received a call from Cross Country Automotive Services
Approximately ten minutes later I received an automated message stating that the towing company Sohle Express Towing located at 1109 Mohegan Lane in El Paso, Texas (915) 585-6800 would be sending a driver to my home in about 20 minutes. Wow! That was fast but I level-headed had time for coffee, proper? Wrong! Eight minutes later I get a call from Chris the tow truck driver who tells me he's outside waiting to hook up my car. Wonderful! I grabbed my coat and keys and ran outside. Obvious enough Chris is standing by his truck cool as a cucumber. Chris and I chat as he pulls my car onto the flatbed and soon thereafter we headed off to the repair facility in less than 10 minutes. Chris was great. He was beyond prompt and he laughed at my jokes.
As we arrived to the repair facility Viva Ford Collision Center I didn't know where to go so Chris walked me to the front and delivered me to where I needed to be. Katy had notified Viva that I would be arriving this morning. I thanked Chris and he was off. Probably with a cape and cloak rescuing some stranded motorist.
Now here is where the great customer service takes a turn and detours into “We Really Don't Care About You” land. I understand that sometimes people in the customer service industry have bad days so I didn't put to much into my initial experience here. I had never dealt with Viva Ford located on 5550 North Desert Blvd in El Paso, Texas so I wasn't sure what to expect. What I got was a unimaginative though-provoking machine that walked through the paces one second, one minute, one hour at a time. I signed up at the front office and was told the estimator would be right with me. As I sat there other customers arrived and stated their case. Viva employees came, did their business and sent them on their way. I sat. And sat. And sat. After the 5th customer who had arrived after me was done doing their business I got up and asked if it would be much longer. The girl behind the counter hesitantly told me that she thinks the estimator had gone out to the car. What? Without me? Apparently so. I go assist and sit and wait another 20 minutes before Pete my estimator calls my name. He says hello in a lack luster way and hands me some papers to sign. He tells me they will call me as soon as they have information on repairs. That's it. I am dismissed and I tilt my head sideways like a dog who doesn't understand. He glances up at me and stares me in the eye. I guess I'll have to make the first move. “That's it? ” “Yes. We'll call you.”
I left Viva Ford as I imagined a cat would after it's been hosed. I walked away thinking to myself “Well they can't all be Situation Farm or Cross Country Automotive Service or Sohle Direct Towing and I decided to lift myself up and continue on my quest to get things done by noon. I then called Enterprise Rent-A-Car located on 5385 S. Desert Blvd in El Paso, Texas (915) 845-0268 whom State Farm I'm sure had already contacted. I began speaking with Paul who told me he was expecting my call. I told him I had unbiased finished with Viva and would be walking to their lot. He told me to sit tight and that he would come and get me.
Five minutes later Paul pulled up and we were off. Paul picked me up in this little 4 door model that was nice but too minute for my family of six. He explained after arriving to his office that this would be the car I would be using because it fell within the covered amount under my insurance plan. I asked him if they had anything bigger within my price range. He looked at his computer and told me they had a 2010 Chevy Silverado which seats six rather nicely but that it would be $4.00 over my coverage. Now, you might be thinking to yourself that four bucks is nothing but it can add up should the repairs remove too long. After what I had just experienced at Viva Ford I wasn't at all confident they would be rushing to finish the repairs. I told Paul to forget it and that I would take the matchbox model he previously offered.
I guess Paul could see the disappointment in my face and stated with confidence, “I'll divulge you what I can do. How about I knock off $2.00 on the total for the Silverado and you'll only pay $2.00 a day. How's that sound? ” It was a great gesture but I really didn't want to go over my coverage so I thanked him and said no. I saw him square his shoulders and I could gawk he had made an executive decision. “I'm going to take off the $4.00 completely on the Silverado and give it to you under your coverage cost.” Well knock me down and call me Shirley. Again I was amazed at all the great customer service I had been receiving this day. I thanked Paul profusely as he wrote up the transaction, A few minutes later I drove off the lot in that hulking share of shiny metal and felt good all over again.
As I arrived home I looked at my gawk and wouldn't you know, it was just before noon. As I sit here writing this yarn several days later I have yet to hear from Viva Ford. I called them a few days ago and was told they were buffing out the egg on my car but they still had to inspect the tires. Seriously, how long does it prefer to check and replace tires? Anyway, I'm still in a profitable mood and would like to thank the El Paso Police Department and Officer Valverde, State Farm and Marlene and Katy for taking care of me and my family. I will continue to be a loyal customer. I want to thank Lakisha with Cross Country Automotive Services and Chris with Sohle Express Towing for their fantastic efforts. Lastly, I'd like to thank Enterprise Rent-A-Car and Paul for going above and beyond what customer service should be.
I highly recommend the people I've thanked and the companies they work for. Great job!
Update:
I hadn't heard from Viva Ford again and the other day I was driving by so I decided to stop and check the status of my car. As I pulled into the lot I see my vehicle being driven away. I thought to myself, “Yes! They're taking it for a test drive. It has to be ready.” So I go in and ask for Pete who's (mis-handling) the repairs and after a short wait he comes out and stands there staring at me. I stare back a few seconds then tell him I just saw my vehicle being driven away and want to know what's going on. He tells me that the car is being taken to another shop so they can check the tires. What?! I can not own Viva Ford can't afford to buy a large bin, fill it with water, submerge my tire to spy where the air is leaking and repair or replace my tires. It's been two weeks. Just incredible. At least I have some helpful experiences from this whole fiasco and a wonderful insurance company like Status Farm to take care of me. http://www.crosscountry-auto.com/ and spoke with Lakisha who was going to set me up with a towing company. Lakisha was swiftly and professional. It surprised me how efficiently Lakisha did her job. It was poetry in motion. Again I was told I would acquire a call from the towing company I had just selected. I didn't want to jinx myself so I said out loud, “Ample! More waiting.” I was snide again.
Filed under State Farm Auto Insurance by on Feb 20th, 2011. Comment.
Typically SUV insurance rates cost 15-20% more than car insurance. The main reason for this is the fact that SUV drivers are at a higher risk of filing a claim for an accident. While an SUV is designed to offer the driver and its passengers more safety in an accident, its weight and height build it more prone to a roll over in an impact collision. It can also cause severe damage to a car or a smaller vehicle because of its weight, particularly if its bumper is high while the SUV itself may preserve petite or no damage.
Nevertheless, you can find good rates if you know the following tips:
• Your SUV’s safety features can get you a good discount on your auto insurance premium. Features like electronic stability control (an enhanced antilock brake system), which works by sensing the SUV’s response to the steering wheel. If it detects a disconnect between your steering and the direction of motion of the SUV, it automatically brakes the wheels. Another feature that can withhold your SUV insurance rate outrageous is side air bags that can prevent injuries if a rollover occurs. Install an anti-theft device in your car – companies consider that this lowers the risk of a theft and you may obtain a shatter in your comprehensive insurance coverage.
• You premium will also depend on the number of miles you drive your SUV and the location where it is parked. Living and driving in low-traffic zones often qualifies for a reduced SUV insurance rate.
• This is no substitute for a good driving portray. Drive safely and avoid accidents and traffic violations. Insurers offer good driver discounts to those with 5 years of clean driving history.
• Affiliation to AAA and certain organizations or banks may get you a reduced group rate.
• Your occupation, if considered low-risk, may qualify you for low-risk occupation insurance.
Filed under State Farm Auto Insurance by on Feb 17th, 2011. Comment.
Car Insurance Tip 1: Find the Best Heed on Car Insurance
Different car insurance companies compute their insurance rates in different ways. One company may offer you discounts that other companies will not, so the car insurance company that is best for you may be different than the one that is best for other people. You can easily get an insurance quote by calling an insurance company or visiting their website, so get quotes on the same type of insurance from many companies to serve you resolve between car insurance companies.
Car Insurance Tip 2: Get Car Insurance Recommendations from People you Trust
Ask around to find out what car insurance provider your friends and relatives are using. They can give real-life stories about how they have been treated and whether they are happy with their current car insurance provider. Make sure to not just ask one or two people, but to get a wide variety of opinions before making a decision.
Car Insurance Tip 3: Consider Bundling All Your Insurance
If you don’t only need car insurance, but you would also like to purchase renters insurance, life insurance, and health insurance, you can often get a good discount by purchasing them all from the same insurance company. This will also have the added benefit of unprejudiced one bill every month, and the ability to more easily keep track of your insurance.
Car Insurance Tip 4: Decide Whether you want a Personal Agent
Some insurance companies will have you talk with a different person each time you renew your auto insurance policy, whereas others will assign you with one agent who will be your main contact with the company whenever you interact with them. Decide whether it is important to you that you know your car insurance agent, and if it is, choose an insurance company that will meet that need.
Car Insurance Tip 5: Find Out What Happens if you Move
Some insurance companies are only active in parts of the countries, whereas others have a nationwide network that makes it easy when you move to a modern state. If you will be moving around a lot, it will back you if you can stay on the same auto insurance policy every time you move.
Car Insurance Tip 6: Consider Financial Stability and Reputation
In this economy, accomplish sure your car insurance provider has a strong reputation and is valid to follow through on paying any claims you may make. Now is probably not a good time to get into some brand-new insurance company with no history of paying on claims.
Car Insurance Tip 7: Re-evaluate Your Decision When Needed
If something big changes in your life (getting married, adding a teenage driver, etc.), you should re-evaluate what car insurance company is best for you. Different insurance companies handle these changes in different ways, and you may want to switch if there is a car insurance company that meets your needs better.
Filed under State Farm Auto Insurance by on Feb 17th, 2011. Comment.



