Reader’s Question:
Do I still have any chance of getting an affordable rate with my auto insurance company here in Arkansas even if I have a bad driving rating?
Rhamed G.
Little Rock, AR
Everyone makes mistakes from time to time and deserves a second chance. This goes the same for your auto insurance rates, just because you have had a bad driving history or rating in the past doesn’t mean that you will have to put up with expensive auto insurance rates forever.
Admittedly, it would be much more difficult to get or negotiate for competitive rates in your situation compared to someone who has a clean driving record. You may even need the help of a highly-skilled and experienced auto insurance broker there in Arkansas to help you find rates that you would feel comfortable with. Another good alternative to this website, or any other auto insurance portals available, to run a quote check and be able to compare auto insurance rates or to get a rating as to which auto insurance companies are more lenient with regards to a customer’s driving record.
Sometimes, depending on the gravity of your offenses or violations, you may not be able to find someone willing to give you that low rate you are looking. For now, you would have to focus on building a good driving record by avoiding further violations or points against your license. It would usually take at least two or three years to get that bad record off your back. You will actually get better offers and rates, or discounts off your policy, in the future, for keeping a good record.
Tags: auto insurance company, auto insurance ratings, auto insurance information, auto insurance
Reader’s Question:
Is there any way that I can get auto insurance company ratings? I want to make sure that I choose the right kind of insurance company for my car here in Illinois.
Prudence
Chicago, IL
Definitely! There are many ways to get the information you need to compare auto insurance providers. The hard way would be to go through your phone book and call each and every auto insurance carrier you find to discuss rates, that is if you are willing to put up with long hold times and a very sore ear afterwards, or the easiest way would be to use the Internet which literally contains a wealth of information & resources to guide you in your quest to get auto insurance company ratings.
One of the resources we are talking about are rating agencies such as Standard & Poor and J.D Power. These agencies or organizations offer tools in their websites allowing consumers access to timely and accurate information regarding company rankings within specific industries. You can compare national and even local auto insurance providers there in Illinois on factors such as customer service, overall customer experience, billing & payments, pricing & policy offerings, and most importantly how well they handle settlement of claims.
You also want to know about Online auto insurance portals, just like this one, that works the same way as those websites stated above, but puts more emphasis on presenting you different auto insurance rate quotes from many different carriers. Here is a tip, narrow down a list of auto insurance companies that has the most positive ratings and then run a quote check to see which among the best has the best or lowest pricing offers.
Tags: auto insurance ratings, insurance company ratings, auto insurance information
Reader’s Question:
Would I still need to get car insurance here in Nebraska even if I don’t own a car? (but occasionally borrow or rent one).
Grace
Omaha, NE
Yes, even if you don’t own a car, it would be to the advantage of you and the person you borrow a car from there in Nebraska to have auto insurance. You don’t even need to get a full-pledged auto insurance policy. A Non-owners Auto Insurance policy would best suit your needs. It is your responsibility to make sure that you are financially capable of covering costs and injuries you may cause other people while driving the borrowed vehicle. Non-owners policies would usually include liability insurance coverage. Medical payments coverage as well as Uninsured or Under-insured motorist coverage.
This policy might not include under its coverage for damages due to collision as well as rental and comprehensive coverage. Although most auto rental companies will sell you adequate insurance but if you see yourself renting a car for an extended period of time (more than 10-15 days) it would be less expensive to just get a Non-owners policy of your own. (you can get a decent Non-owners coverage for about $50 a month or less (depending on your age, where you live and the same factors that is used to determine a regular car insurance rate) while rental car insurance typically cost around $15-$20 a day on top of the daily rental fee.
So in the long run, Non-owners would benefit you the most. It can even help you negotiate for very good rates in the future, should you get your own vehicle, since it will show auto insurance companies how responsible you are in taking auto insurance protection seriously.
Tags: Non-owners Auto Insurance, auto insurance policy, auto insurance ratings, affordable auto insurance
