Wednesday, August 15, 2007

Shopping for automobile insurance

automobile insurance
Many insurers offer auto insurance in Washington state. Under state law, insurers may consider your age, driving record, where you live, credit history, and other factors to decide if they will offer you coverage. Not every insurer will offer you coverage.

If an agent or broker is unable to find coverage for you, it doesn’t mean that there isn’t an insurer willing to cover you. No single agent or broker will have access to all auto insurers doing business in Washington state.

There are three segments of the auto insurance market you should know about:
Preferred market -- This market features the lowest premiums and it is available to low-risk drivers with exceptional driving records.
Standard market -- This market refers to the average driver who uses family-type cars and has a reasonably good driving record.
Non-standard market -- This market includes young drivers with less experience, drivers with multiple tickets or accidents, and drivers with reckless or drunk driving histories.

Most insurers offer coverage that falls into the standard or the preferred markets. A few corporations have several companies within their group and establish tiers that range from the preferred market to the non-standard market.

We cannot recommend or suggest specific companies, but we can offer tips to help you shop for auto insurance. Regardless of how you shop or whose services you choose, it is important to do your homework in advance. You should:
  • Know what types and limits of coverage you need.
  • Ensure you’re dealing with an authorized company and a licensed agent or broker.
  • Make sure you have the make, model and other details of the vehicle you wish to insure.
  • Answer any questions about your driving record and accident history fully and accurately.
  • Shop for customer service and price.
Agents and brokers selling insurance in Washington must be licensed with our agency. We regulate nearly 85,000 licensees. Some are employed exclusively by a specific insurer, while others work independently. You can find agents and brokers:
  • in the Yellow Pages of your local phone book
  • through referrals from friends and family
  • on the Internet
Insurance can be a sophisticated product. You need to do your homework and shop the market, regardless of whether you buy in the traditional manner or online.

Incoming Search Terms:

commercial auto insurance, quote auto insurance, insurance auto quotes, get auto insurance, auto insurance quotes online, insurance quotes auto, life insurance australia, affordable insurance, auto insurance company, auto insurance, auto insurance quotes, affordable car insurance, appraisement clause, health insurance blogspot, how does term life insurance work, boat insurance florida rates, boat insurance in canada, boat insurance rates average


Related Posts:

  • Comparing Car Insurances to get the Cheapest OneIf you want to buy car insurance, you have to be selective because there are many car insurance companies that deceive its consumers. You should also … Read More
  • Choosing Cruise InsuranceIn the 16 years I’ve been cruising, I’ve seen many people fall ill and be taken off the ship in port or even evacuated at sea by helicopter. While I h… Read More
  • Get Cheap Car Insurance RatesHow to get cheap car insurance rates? Chances are that if you are over 25 years of age you can get a pretty good discount on your car insurance. Autom… Read More
  • Your Car InsuranceCar insurance is a contract between you and your insurance company that protects you against financial loss when you're involved in an accident. Car i… Read More
  • Car insuranceThe enormous advantages that the Internet has to offer have prompted car insurance companies to advertise their policies online. This factor alone has… Read More

0 komentar:

Post a Comment

 
Web Analytics