Progressive Commercial Auto Insurance

Smart businesses understand the importance of commercial auto insurance for their work vehicles, and Progressive Commercial understands those needs. We've insured commercial vehicles for more than 30 years, and we're the nation's third-largest commercial auto insurance company. On top of that, we have an A+ rating from A.M. Best. We work hard for hardworking businesses.

Commercial Vehicles We Insure

Progressive Commercial insures the following types of vehicles:

* Pickups
* Cargo Vans
* Dump Trucks
* Tractor Trailers
* Tow Trucks
* and Many More

Extent of Coverage We Provide

Our coverage is extensive, and our service is outstanding. We insure almost any business type, including new ventures, and our liability limits — up to $1 million CSL — can meet small and large companies' insurance needs.
Get Fast Quotes Immediately

Call 1-888-393-9738 for a no-obligation quote today. If you choose to buy, you can start your commercial auto insurance policy with Progressive Commercial immediately. You could be saving hundreds on your commercial truck insurance.
Fast and Easy Quotes

Our licensed insurance agents will provide a customized quote that meets your commercial auto insurance needs. They will answer your questions and help you select the coverages you need to fully protect your business vehicles.
Flexible Quote Options

Choose policy options that are right for your business vehicles:

* Low initial payments & monthly bill plans
* Flexible deductible options
* Commercial auto discounts
* Lower rates for experienced drivers

Request a Free Auto Insurance Quote

AARP Members Could Start Saving Now

The AARP Auto & Home Insurance Program from The Hartford offers AARP members comprehensive coverage at great rates.
Competitive Auto Insurance quotes for your vehicle

* Features
& Benefits
* Coverage
Basics
* Ways
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When AARP members get an insurance quote and buy car insurance from The Hartford, they enjoy a comprehensive package of benefits and services not found in most other auto insurance plans.

Availability of features and benefits may vary by state.
First Accident Forgiveness
We waive any premium increase associated with your first accident so long as all drivers on your policy are free of accidents and major violations for the previous five years.†
Lifetime Renewability
No need to worry about losing your car insurance. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.††
Disappearing Deductible
Maintain a clean driving record, and we'll reduce your collision deductible by $150. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record – until it reaches $0.†
RecoverCare
This auto insurance feature helps pay for the cost of home services such as cooking, cleaning, shopping, transportation and yard work if you're injured in an accident.†††
12-Month Rate Protection
Because the AARP Auto Insurance Program from The Hartford offers a 12-month policy, your rates are locked in for a full year – not just 6 months like most other companies.
24/7 Hassle-Free Claim Service
When you have an auto insurance claim, it’s good to know that your car insurance company has the experience and know-how to make the claims process as smooth as possible. Learn More About Our Auto Claims Services.

Your auto insurance price is guaranteed for an entire year

Convenient Payment Options

You can pay by mail, online or through automatic deductions. You can also choose to pay monthly, quarterly or in one lump sum.

After-Hours Policy Services
When you need policy information, answers to billing questions or assistance with policy changes, including after normal business hours, our Customer Response Center will help you.

Call 800-526-1547 7AM to 11PM, Monday through Saturday, and 9AM to 7PM on Sundays, Eastern Time.

Manage Your Policy Online
View policy information, pay your bill, make changes to your policies, and report an auto and/or homeowner claim when you register for eService.

More benefits for Auto policyholders*

* Accident Forgiveness
* Unlimited Rental
* New Car Replacement
* Multi-Policy Savings
* Guaranteed Repairs


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The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.

How To Prepare a Commercial Auto Insurance Checklist

Some businesses rely on automotive vehicles for the critical parts of their operations. If this is the case for your business, then you may need to invest in commercial automobile insurance. Investing in a commercial automobile insurance policy for your business-dependent vehicles can protect your business with monetary returns should these vehicles get damaged or break down within the regulations of the insurance policy. The first step in getting your business vehicles insured is by creating a checklist for the insurance. Consult multiple policy holders to get a grasp of what the insurance can do for your business.

1. Provide your information. Visit your prospective policy holder and start out by handing him the basic information about you and your business. Get a piece of paper and writer your full name and contact information. In addition, write down the name of your business and your office address.
2. Provide the details of your business. For the policy holder to understand your needs, you will need to provide details about your business. Give him a description of your business, the date the business started, and the registration of the business. If you business is a corporation or partnership, let the policy holder know the other members of the business. Make sure to explain what your business does clearly so that the policy holder will know what he can offer you.
3. Describe the vehicles and their importance in your business. First off, make sure to tell your policy holder the importance of the vehicles to your business. For example, if your business provides hauling services, then tell the policy holder that you have trucks and if something happened to them, then your business will experience hell. In this case, the policy holder will understand the importance of these vehicles to your business. Remember to enumerate all the vehicles that you want to insure. Provide the make, model, year, and Vehicle Identification number (VIN) of each vehicle. If you have a lot of vehicles, create a catalog with all the vehicles, pictures of each vehicle, and the needed information listed therein.

4. Provide a list of people that operate the vehicles. Commercial auto insurance will only become valid if the insured vehicle will be operated by specific people listed in the insurance policy. In this case, list down all the people that will be operating each vehicle that will be insured. Make sure to submit the name, motor vehicle record, and a copy of the driver’s license or permit of each person listed. Bear in mind that each person will be linked to a specific vehicle so be diligent and plan this out.
5. Determine the coverage. Policies for commercial vehicle insurance for limited liability coverage can range from $10,000 to $1,000,000. Consult with the insurance agent or policy holder and determine the best option for your vehicles. Normally, the coverage will be dependent on the importance of the vehicle and its current depreciated value.

Once you have provided all the information needed to your policy holder, it is time for them to draft the policy for your approval. Acquiring coverage for your business vehicles is vital in protecting your business from accidents and damages that can weaken how it operates.

Auto Insurance Discounts

Our goal is to provide you with the right coverages and services at the best price. And with multiple discounts connected to your car, driving record and employer or professional association, you could save off of our already competitive rates.

Passive Restraint Discount
For cars with factory-installed motorized safety belts and/or one or more air bags.

Antilock Brakes Discount
For cars with factory-installed antilock brakes on all four wheels.

Anti-theft Device Discount
For cars with an anti-theft device.

Low Mileage Discount
For driving your car less than 7500 miles per year.

Good Student Discount
For teen drivers who maintain a B or equivalent grade point average.

Multi-Car Discount
For insuring more than one car with Liberty Mutual.

Exclusive Group Discount*
For a member or employee of an employer or group, alumni association, credit union or other group that is a part of Liberty Mutual's affinity program.

Multi-Policy Savings
For when you insure both your home and car with Liberty Mutual.

* Not available in Texas. Texas residents should ask a sales representative about Liberty Mutual Advantage.

The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.

European Car Insurance

Around eight million Brits take their cars to the Continent every year, but many wrongly assume their existing policy provides the same level of cover in Europe as it does here in the UK. Research into European car insurance from moneysupermarket.com found that 39% of motorists weren't aware that many insurers downgrade your level of cover if you take your car abroad.

What protection is available for driving in Europe?

Unless you take out a specific European car insurance policy, chances are you will only be covered for basic road traffic accidents or third party cover. Only a handful of insurers automatically extend comprehensive cover to travelling abroad and some only increase cover if you contact them, even if extended coverage is free.

The basic level of cover is known as an international motor insurance certificate, or a Green Card. If you are involved in an accident in several European countries including Malta, Romania, Poland and Andorra you will need to produce a green card to prevent your car being impounded. Most insurers will provide the Green Card on request, usually with first class delivery to your contact address.

However, the Green Card only provides the minimum level of cover you need for travelling in a European Union country - and in some cases this may be less than third party only cover in the UK.
Get a new car insurance quote now
How can you get the level of protection you need?

To extend the level of cover you get when you take your car abroad, you will usually have to pay an extra charge to your insurer. Many providers offer European insurance that matches the level of protection you have in the UK as an optional extra with cover for up to 90 days of travel in one policy year (coverage periods vary).

Be wary however, as some insurers that claim to offer European car insurance may still exclude certain aspects of coverage. For example, many insurers will not provide legal protection or breakdown cover while abroad. You should also consider the countries that are covered by the policy - insurers may only cover travel in member countries of the European Union.

Rates vary widely and you may need to shop around to find cheap European car insurance. Europe can be more expensive than the UK for repairs and part replacements, and many insurers take into account the type of car being covered and other pertinent factors. Consequently you should read the terms and conditions of your policy carefully before you travel.

Auto Insurance Basics

Exceptional Auto Insurance from MetLife Auto & Home®

We protect more than your car, we protect your lifestyle. Expand your personal safety net with Auto Advantage™ and receive:

* Full Replacement Cost1: If you total your new car, we'll pay the full cost to replace it, subject to your deductible
* $50 Deductible Credit: For every year you don't have a claim2
* Guaranteed Repairs3: For as long as you own your vehicle
* Enhanced Coverages: Protect you from out of pocket expenses after an accident
* Superior Claim Service: Speak to someone 24/7
* Discounts and Rewards for safe driving, multiple policies and more

With MetLife Auto & Home, you can rest assured you're protected for the road ahead.

Get an Auto Quote NowGetanAutoQuoteNow
Safeguard Your Identity
As a MetLife Auto & Home insurance customer, you will also get Identity Protection Services at no additional charge.

You might also consider:

RV insurance if you own golf carts, ATVs, snowmobiles or similar recreational vehicles.

A GrandProtect® insurance policy package for your car, boat, home and more. One policy package, one deductible and expanded coverage.

Insurance for collectible cars through our agent Condon & Skelly

Personal Excess Liability Insurance: supplements your current coverage to help protect your assets from sky-high judgments.
Auto Insurance Details
We're with you when you’re behind the wheel

Coverage PlusTM features are part of the most comprehensive and affordable policies available. Our standard coverage options come with a range of benefits and additional features can be added to further enhance your policy.

When you buy an auto policy, you put together a “package” of standard and not-so-standard coverages, including:

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Liability Protection

Even the most careful drivers can cause an accident, and they don't even have to be 100 percent at fault to be financially liable for injuries and property damage.

* Bodily injury coverage pays** claims in the event you're responsible for an accident in which someone is injured
* Property damage coverage pays** claims for damage your vehicle causes to someone else's property, such as someone's car, mailbox, or a fence on someone's land

Concerned about how sky-high judgments could affect your assets? Learn about Personal Excess Liability Insurance


Collision and Comprehensive Coverage Advantages

Our collision coverage pays** for damage to your car if it hits another vehicle or object, or if your car rolls over, no matter who causes the accident. Our comprehensive coverage pays** for damage to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.

But, at MetLife Auto & Home you get more complete coverage and benefits, including:

* New car replacement: if you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you get the full cost of the new car with no deduction for depreciation.2,4
* Major parts replacement: we'll pay to replace certain major parts—like tire, brakes and batteries--no matter what their wear-and-tear/depreciated value at the time of the accident.2
* Glass repairs without a deductible: if your windshield is chipped or cracked, we'll repair it and waive your deductible. Repairs are usually completed in fewer than 30 minutes.
* Guaranteed Repair Program: choose one of our carefully screened recommended repair facilities, and we'll guarantee the work for as long as you own that auto. But it's voluntary; use any repair shop you like. In MA, guarantee provided through Platinum Auto Service Program.



Medical Payments Coverage and Personal Injury Protection

This covers** costs of doctors, hospitals and funeral expenses, for you, your resident relatives, and/or your passengers, resulting from a covered accident, regardless of who was at fault. You'll also be protected when you drive another person's car (with permission) or if a vehicle strikes you or family members, as pedestrians.

In some states, Medical Payments Coverage is called Personal Injury Protection, and may pay for lost wages and replacement services for an injured party.


Uninsured/Underinsured Motorists Coverage

Uninsured motorists (UM) coverage pays** the cost of damages and injuries resulting from being hit by an uninsured driver or by a hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians. Coverage for both you and your passengers include medical expenses, lost wages, and other injury-related losses.

Underinsured motorists (UIM) coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.


Enhanced Rental Car Coverage

If you have an accident while driving a rental car, you'll be covered for** the following "hidden costs" charged by the rental agency, such as:

* Rental income lost during repairs
* Claim handling expenses
* Decrease in market value of the rental
* Related expenses, like towing and storage

Not available in NC.


Safe Driving and Other Discounts and Rewards

*

Deductible Savings BenefitSM for good drivers. Through Deductible Savings Benefit,1you'll automatically earn a $50 credit toward your deductible every year you do not have a loss. This credit can build year-by-year to a maximum of $250.
*

7% Defensive Driver Discount. Earn up to a 7% discount by completing a qualifying driver safety course. You can even purchase a home-study course for just $19.95 at the National Safety Council website. You must be a licensed driver for at least two years. Additional restrictions apply. Before purchasing, speak to a MetLife Auto & Home representative to be sure you're eligible for the discount. Discount and availability varies by state. Successful completion of other MetLife Auto & Home approved courses also qualifies for the discount. In some states, discount not available for completion of on-line courses.
*

12% Superior Driver Discount or 20% MetRewards®. Earn up to a 12% Superior Driver Discount if all of the drivers in your household have outstanding driving records, or up to 20% MetRewards, if you are claim and violation-free for 5 years. Discounts and availability vary by state.
*

Multi-policy discounts. Save up to 10%5 with our multi-product and multi-policy discounts for having home as well as auto insurance with us. For other multi-product and multi-policy discounts not listed here, contact your MetLife Auto & Home representative today.
* Sample multi-policy discounts:
o Auto/Home multi-policy Discount: 10%5
o Auto/Life multi-policy Discount: 5%6

Landscaping & Snowplow Vehicle Insurance

Progressive’s landscaping insurance includes snow plow insurance for small businesses. Progressive defines landscaping and snow plowing businesses as those earning income by providing landscaping or snow plowing services to residential or commercial properties. They may also earn income by delivering or selling firewood.

Landscaping and snow plowing businesses that typically need work truck insurance include:

* Lawn care installation or maintenance
* Tree trimmers
* Snow removal
* Firewood delivery

Seasonal Landscaping Insurance and Snow Plow Insurance For Small Businesses

In most areas of the U.S., landscaping and snowplowing are seasonal businesses. If your vehicles are stored during the off-season, you'll want to consider a Comprehensive Only policy. This type of landscaping and snowplowing insurance is not only extremely affordable, it saves you the hassle of having to cancel or renew your policy every season. Even better, Comprehensive Only insurance protects your vehicle during the off-season.
Ice Cream Truck Insurance

Progressive can help with insurance for ice cream trucks. Even with safety features such as extra mirrors and a safety arm, operating a moving vehicle loaded with sweet treats around children can be dangerous. That’s why insurance for ice cream trucks can be expensive.

Find out how Progressive’s insurance for ice cream trucks can save you money – and will protect you, your ice cream truck and your young customers. Call toll free at 1-888-806-9598!
More About Work Truck Insurance

Seasonal work truck insurance is often needed by small business that provide landscaping or snow plowing services. Another common seasonal coverage need is insurance for ice cream trucks.

Because your vehicle is often on-site at customer-owned locations, Liability insurance is important insurance for landscapers and for snow plow drivers.

Insurance options like Property Damage Liability coverage pay for damages if, for example, you accidentally scrape a customer's car with your snow plow.

Since you're essentially self-employed, you also may want to consider extra Medical Payments insurance, which can help you pay high-cost medical bills incurred as a result of an accident.

These snow plow and landscaping insurance options are vital to protect your business. Visit the business auto insurance section for a complete list of everything you'll need.

Why You Need Auto Insurance

As the population continues to grow, more cars and drivers hit the highways. With so many vehicles on the road, crashes are inevitable. Automobile Insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy?
Auto insurance is required by law in all states and protects you by paying for damage or injury you cause others while driving your car; damage to your car or injury to you or your passengers in your car from a crash; and certain other occurrences such as theft and vandalism. Without insurance, you risk having to pay the full cost of any harm you cause others with your vehicle.
Coverage requirements vary by state, but usually include the following:
Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.
Personal Injury Protection: This is required in many states. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum required amounts.
Medical Payments: This coverage is available in some states (usually the states without no-fault insurance), and pays regardless of who may have been at fault. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash.
Collision: This pays for damage to your car caused by collision.
Comprehensive: This pays for damage to your car caused by "Other Than Collision"; including fire, wind, hail, vandalism and animal strikes.
Uninsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit and run driver.
Underinsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages.
Auto insurance premiums vary widely from company to company and will depend on several factors, including:What coverage's you select; The make and model of the car that you drive, your driving record, your age, sex, and marital status and where you live.
Many people think of auto insurance as a necessary evil that can save your financial well being. Evaluate your needs, do your research and make the decision that best suits you.

Would You Like To Save Big Money On Your Auto Insurance And Reduce Your Risk Of Auto Theft?

With the rising price of gas, skyrocketing health care costs, etc... Americans are feeling the economic crunch. Lets put some money back in your pocket right now and lets take a bite out of auto theft.
The best part is
(1) You don’t have to switch insurance carriers.
(2) Local auto dealers charge $299-$499 for this same service (real price should be $25-$30)- What a ripoff! (Note dealers also charge $200-$1000 for replacement headlights when you can buy headlight cleaner and restorer for under $20).
(3) You can easily purchase it direct from the manufacturer below cost right through the internet!
Police departments, insurance companies, AAA Auto Club, Motor Week, Speedvision TV, and leading consumer groups and publications all recommend window etching as a strong theft deterrent and a great investment.
The top 10 most stolen autos:
1. Toyota Camry2. Honda Accord3. Oldsmobile Cutlass4. Honda Civic5. Jeep Cherokee6. Chevrolet trucks7. Toyota Corolla8. Chevrolet Caprice9. Ford Taurus10. Ford trucks
Did you know that every 19 minutes a car is stolen in this country! Vehicles equipped with a visible theft deterrent system are 4 times less likely to be stolen. Auto etching uses a strong caustic to etch vin #'s and other registered numbers into your car windows (glass is the third most valuable item after plastic headlights and air bags that professional thieves look for - these items are then resold on Ebay and elsewhere by these thieves for quick cash). 95% of thefts are by professional car thieves.
Chemical auto etching is a safe process. No damage is done to the vehicle and it can be professionally done. It is very affordable as its actual costis 70 – 85% less than auto dealer’s charge and has many benefits:
1) It has been proven to enhances vehicle value at resale.2) INSURANCE DISCOUNTS OF UP TO 35% OR MORE!*3) No mechanical parts to break down or need repair.4) SAVE MONEY AND HAVE PEACE OF MIND! – 9 out of 10 auto thefts are by professionals who will not take a car with traceable numbers.
One of the most cost effective security steps is having a security number etched on each window. Start saving big on your insurance today! Auto etch, like headlight cleaner and restorer, is a bonafide product backed and used by the police in every state. It is guaranteed to save you far more than it costs, has numerous benefits, And you can undercut the dealer and buy it without paying their ridiculous prices ($200-$600+)! For more information on Auto etch and/or similar products like headlight restoration kits contact the author below or look up auto etch on the internet. * Insurance discounts can vary by state and by carrier.

Why Should You Shop Around for Auto Insurance?

Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal. For each person, the amount of coverage they need and what they can afford to spend is usually a different amount.
The main reason drivers overpay on their insurance is they do not shop around. CarInsurance.com offers an easy way to shop around. They do compare the pricing of several auto insurance quotes. Knowing how much coverage you need will help you select an insurance company. This is one of the best ways for consumers to maximize what they get for their insurance premiums.
Insurance is a highly competitive business. There are thousands of insurers offering policies to consumers. Each consumer's goal should be to find a financially solid company that offers a fair price along with superior customer service. How do you know which company can provide such a combination of both good pricing and customer service? One way is to talking to friends, relatives, and business associates. Ask people you know and respect what insurance company they use. Ask if they are pleased with how their company handles claims.
The insurance industry is highly regulated. It is important to do business with a company that is licensed by the state in which you live. Another factor of the strength a company has is its A.M. Best Company rating. You want to be comfortable knowing that in the event of a claim your company will be there for you. A.M. Best Company is the industry leader providing ratings and financial information for insurance companies.
How do you know what to expect from your insurance company? Your insurance company and its representatives should be able to answer your questions. They should be able to help you determine what coverage and limits you should carry based on your needs. They should handle any claims fairly, efficiently and quickly. You should feel comfortable with both the insurance company that you select and the insurance agent or company representative that you will be working with. Your insurance professional should take the time to understand your insurance needs and answer all of your questions to your satisfaction.
Now is the time for your fingers to punch their way to a quick rate analysis and view the ratings at the same time.

What Are the Different Types of Auto Insurance

There are a number of different types of auto insurance that are available to drivers. In the United States, auto insurance is mandatory and not a choice. However, drivers can enjoy a number of varying insurance offerings in order to allow them the flexibility in cost and coverage that they are looking for from their insurance company. Not all insurance companies offer the varying types of coverage, so it is very important for you to check with your company to learn the limitations of what they have to offer you.
Liability coverage from an auto insurance company will cover the damage that occurs to other drivers as a result of your actions. There are a few different levels to liability coverage. First, bodily injury liability will cover the cost of another person's medical costs or death if they are hurt in an accident that is found to be your fault. If a person in an accident files a case against you as a result of the accident, liability coverage can provide you with some legal defense. You will want your liability coverage to ensure that if a claim is brought against you, you have enough insurance to cover a judgment without involving your own personal finances or assets.
Property damage liability covers the cost of repair or replacement when you damage someone else's property in an accident if the accident is proven to be your fault. Insurance collectively referred to as comprehensive and collision coverage will cover the cost of repair or replacement of your vehicle in the event of an accident. In some cases, the coverage will also cover the cost of another vehicle if you are not driving your own when the accident occurs.
Comprehensive insurance coverage can also cover the cost of your vehicle if your car is stolen, damaged by animals, a fire or flooding. Specific coverage is limited to the terms and conditions set forth in your insurance policy; as such, individuals need to check with their insurance company for details in their policy.
Underinsured motorist property damage covers the cost of repairs when the negligent party possesses insurance, but the limitations of which would not be enough to repair the damage caused. Underinsured motorist bodily damage covers the medical costs for you, members of your household and passengers in your car when the insurance of the negligent driver does not cover the entirety of the amount needed. Uninsured property damage protects the vehicle of a person who gets into an accident with a negligent driver who does not have insurance.
Uninsured motorist bodily injury protects insurance policy holders, members or their household and passengers in their vehicle from medical costs or the costs of death. This policy will be relevant in the event that an no-fault driver does not have insurance. Only twelve states within the United States offer no-fault insurance, where insurance coverage is covered on the part of the policy holder regardless of whose fault the accident may be. This means that your vehicle or bodily damage will be covered by your own insurance, whether you are the negligent driver or not.

Finding Best Used Car Insurance

Finding used car insurance need not be stressful now days. Used car insurance can vary between car insurance companies. Study the market and try to get several quotes before you buy a policy for your used car. Don’t shop price alone, service is just as important as price.
Always select the best insurance policy which offers both good prices and quality service. Used car insurance is an investment and you should feel comfortable about your used car insurance policy. You should try to balance the service and price provided by insurance companies. Nowadays, most of major insurance companies offer comparable quality customer service, of course they want your business. So don’t take decision in hurry go through all the documents before you get involved and take it.
You are likely, right now to pay a high rate of interest, then go for an another insurance company which offer you low price and high service in better rates, however you should not show your energy into shopping for an used car insurance.
Some on used car insurance is generally flexible in terms of both the types and amounts of coverage you select. However, every state has enacted some used car insurance laws that require drivers to carry at least some auto insurance. In many countries you are required to present proof of insurance before you register a car, so you will probably need to insure your car, regardless of its value.
The rise of the internet has changed the buying and comparing the auto insurance. Online you can find numbers of companies those who provide you good deal in prefect spending in used car insurance buying. Not only in buying but also in comparing the insurance quote and driving down insurance prices, its easy and faster then ever been before to find the perfect used car insurance you are looking for.
Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well.

What you need to get an Auto Insurance Quote

Auto Quotes is a full featured PC based electronic catalog for food service equipment and supplies complete with brilliant, full color images and detailed spec sheets. Auto quotes automates the quoting and purchasing process and replaces the need for printed catalogs and price lists.
How to apply for an auto quote?
• You can approach a car dealer for auto quotes and make a deal• Another way to get quotes for your car is to go online and check out for hundreds of dealers who offer virtual tours of their showroom.
Requirements to obtain an Auto quote
1) Driver information
• Age, address occupation, gender, and marital status. • Driver's license information. • Driving history for the past five years (violations, and accidents). • All auto insurance claims from the past five years. • Housing information (whether you rent or own). • Number of drivers of that car. • Credit profile.
2) Vehicle information
• Your vehicle's make, model, and series. • All anti-theft and/or safety devices on the vehicle. • The vehicle is owned or on leased. • Vehicle registration information and VIN.
3) Vehicle usage information
• The vehicle's primary use (business, home etc.) • Weekly and annual mileage. • Whether the vehicle is used for any commercial purposes.
4) Information about coverage amounts.
• Levels of coverage for liability, and medical payments insurance. • Desired coverage levels. • Details of your current (or last previous) auto insurance policy/policies.
Tips that can help
When you are shopping for different auto quotes, do your homework first. There are number of lenders who offer auto quote rates. It would be advisable that you compare the quotes from different lenders and select the one which best suits you. It is in your best interest to offer information about cheap auto insurance quote, online car insurance quote, and an auto insurance company for consumers.

How to Find Cheap Car Insurance

With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.
For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?
The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.
Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.
It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.
Whatever your motivation, with a little work you too can find the cheap car insurance you're looking for.

How Your Credit History Can Affect Premium Amounts for Your Auto Insurance Comparison.

If you've recently read a government-issued consumer guide about car insurance, you may have noticed that these guides often recommend online auto insurance comparisons as a way to shop for the best insurance policy. That's because the writers of the guides understand that most consumers lead busy lives and need a quick, easy solution to shopping for car insurance. The Internet enables anyone to fill in a short form and quickly obtain general quotes from as many as 10 to 12 insurance companies. Some companies might provide an instant quote while others will e-mail you with a quote and more information.



What you might not realize is that many car insurance providers will consider your credit history and/or rating when determining your premium quote. Credit bureau reporting of good credit/poor credit is no longer just a means of getting a loan or credit card. If you have worked hard to keep your credit score high, then your hard work may pay off for years to come by saving you dollars not only on loan interest, but also car insurance premiums.



Why Does Credit Matter to Car Insurance Companies?



It's plain and simple....there's a direct correlation between a person's credit/loan behaviors and the number of claims they may incur. Based on years of research, many insurance companies feel that consumers with a higher credit rating are less likely to incur high losses in insurance claims. Basically, if you pay your bills on time faithfully for years, then you're more likely to be a careful driver and of course, pay your insurance premiums on time as well. Not to mention folks with a high credit rating tend to be middle-aged or older, and therefore are in the safer driving age range!



Is it Legal for Car Insurance Companies to View Your Credit History?



Yes, it is perfectly legal under the Federal Fair Credit Reporting Act. This act states (in a nutshell) that consumer reporting agencies are to use reasonable procedures to meet the needs of commerce for credit, insurance, personnel, and other information. In other words, insurance companies have just as much right to obtain your credit score and history as do creditors and potential employers.



Though some car insurance providers will consider your actual credit reports, others may use what's called an "insurance credit score." This score is created using various factors such as your public records, type of credit you have including store cards, credit cards, finance company loans, etc., unused credit, open lines of credit, credit inquiries, past payment history, and the length of your credit history. This score helps predict the likelihood of anticipated insurance losses, sort of like lenders determining whether or not you are a high-risk borrower.



When you compare car insurance, be sure to ask how your credit score will affect your insurance premium with each company. If you have very good credit, look for insurance providers that put a lot of weight in credit ratings. This can give you leverage when obtaining quotes from these companies.



Keep in mind that there are other factors that will determine your premium when you compare auto insurance. Auto insurance comparison companies will also consider the type of vehicle you drive, your age, your driving records, where you live, and whether you are eligible for various insurance premium discounts. The type of coverage you need as well as your deductible will also affect your premium rates.



Car insurance comparison websites provide a wonderful opportunity to find the insurance company that's right for you. Take advantage of this free and easy tool, and use your good credit as a way to maximize your savings!

A Begginers Guide To Car Insurance.

Auto insurance as we all know is the insurance consumers purchase for their vehicle be it a car, truck or any other automobile. The purpose of auto insurance is to safeguard the vehicle against accidents, theft and any other loss incurred. Auto insurance can cover, the insured party, the insured vehicle and the third parties. Different policies specify the situations under which each of these items is covered.

Like life insurance, auto insurance too has become the need of the hour. A surge in insecurity of the vehicles has resulted in many big and small companies venturing in this area and trying their luck.

There are different types of auto insurances available. The policies vary with the need and wants of the people purchasing the policy. For example certain types of insurance policies include bodily injury liability, property damage liability, medical payments, and collision and comprehension coverage for physical damage to the insured vehicle.

Broadly speaking an auto insurance policy is divided into five parts.

1. Declarations- this part of policy contains personal information about the drivers in your house. This includes their name and address, make and model of the vehicle, vehicle identification number, policy number, duration etc. This part also comprises of basic type of coverage that you purchased and your policy limits and deductibles. It is very important to provide correct information in this area; otherwise the insurance claim can be declined at ease.

2. Coverage Parts- in this option the coverage limits such as liability, medical, collision and comprehensive are discussed. This section primarily outlines what your insurance company guarantees to provide in return for your payment, based on the coverage and coverage limits opted.

3. Exclusions- this section briefs about what is left uncovered by your policy's limitations. From here you will get to know that what all will be covered when you make a claim and allows you to make rectifications in the policy.

4. Conditions- this section is all about legitimacy i.e. the legal bindings on the insurer and the insured. It includes premium payment obligations, steps to filing a claim, and guidance to resolve disputes.

5. Definitions- also known as fine print, this segment is where terms and the rights of the policyholder and the insurance company are defined.

In several countries it is mandatory to purchase auto insurance before driving on public roads. The least requirement in this area is third party insurance to protect the third parties against the loss, damage or accident by a vehicle. You may or may not get an insurance cover against loss or damage to your own vehicle. While some other countries make the insurance of both the car and the driver compulsory.

Car insurance plans a regular flat charge per-car or per year despite of the extent to which the car is used. There is no adequate statistical basis for the insurers to compare costs used to support price classifications. Other well known methods of differentiation are reasonable estimation, odometer based systems, GPS based system and OBDII-based system.

Car Insurance of Mexico – Mexican Auto Coverage.

Mexican Auto Coverage can be confusing at times. Car Insurance in Mexico is so common to find by agents all over and even when arriving at the border, the question is, are you being insured properly? Is the agent you are speaking with providing the information you need and seek to help you make the best decision to insure your vehicle? Are you over insuring your vehicle? Are you under insuring your vehicle? Do you need Mexican Auto Insurance when in Mexico? Which carriers are highly rated with claims? All these questions are valid when seeking Mexico Auto Insurance. Over insuring your vehicle is pointless as a carrier will ONLY pay actual cash value in the event of a total loss. Under insuring your vehicle can pose a delay in paying out a claim, if the claim will even be paid. West Coast Insurance Services has the answers to all your questions so that you are more comfortable and informed when choosing a Mexican Auto Policy to protect you and your vehicle.

What Everyone Should Know About Car Insurance Online.

You have a lot of choices in car insurance online.  You will not run out of options.  But, your insurance needs are simple.  You just have to stick to what you really need.  The state where you intend to drive your car, naturally the state where you reside, would have minimum requirements as to the amount of insurance that you have to purchase.  The basic coverage includes protection against bodily injury liability, property damage, and personal accident.  Other coverages are also available for you if you wish to purchase auto insurance online with more comprehensive benefits.  Examine your need for car insurance protection as well as your budget and then get insurancequotes so you can compare one provider with another and make the right choice.

There are a number of advantages to getting your insurance policy online.  The first advantage is your access to more providers without having to leave your home.  You have the luxury of being able to conveniently shop around for the best provider with the most affordable premiums when you get your car insurance quotes online.  In some cases, you do not even have to request quotes from each and every car insurance company in your shortlist.  Websites that do comparative quotes can collate all the information from these car insurance companies online for you.  All you have to do is to input your basic personal information as well as pertinent information about your vehicle just once, and the website will take care of getting your quotes for you.

Another advantage of getting car insurance online is the speed with which you can conduct your search.  By choosing to do your search online, you are already eliminating the time element that is involved when you do your search the conventional way i.e. travel time or time on the phone.  Aside from this, your online car insurance quote provider will often be able to provide you with your comparative auto insurance online quotes in a matter of hours.  Most websites offering quotes would give you a 24-hour turnaround time.  And then, when you have already picked an insurance, you can do your application in an equally speedy manner entirely online.  Your car insurance policy will be emailed to you and you are all to drive your car and ply your state's roads confident that you are protected at all times.

Lastly, it is hassle-free to get your online insurance.  The decision to purchase your car insurance online will be made by you only after you have carefully evaluated your options.  You do not have to be badgered into purchasing something that might not exactly be what you need by a persistent agent.  You also do not have to be at any particular place or time for you to purchase your auto insurance online.  You only need an internet connection and you can purchase your car insurance online anywhere you are, anytime you wish to.  In a matter of minutes, you will be able to get your proof of coverage.

3 Tips For Student Auto Insurance You Can Use Today.

If you're a parent who's in search of student car insurance for your kid, then you don't have to look too far. Various insurance providers on the internet will gladly assist you with the process of finding student car insurance. In fact, your existing insurance provider might be the number one place to look at because you can include your child as a student on your current insurance plan at a reduced premium.

It might be slightly more difficult finding cheaper insurance as a student if you are not on your parent's policy. It's possible to obtain insurance cove which usually comes at a significantly higher cost.

I have listed 3 important tips which will assist you in finding the best possible price:

To start with, ensure that you have somekind of credit with a favourable credit rating. Don't be reckless and apply for various credit cards. A better credit rating will assist you to fork out a significantly less amount for motor insurance.

Do not purchase a new top of the range car. For now rather opt for a good used vehicle which is economical to run. You can find listings of good used cars on the net whereby the insurance providers will show you which vehicles are more affordable to be insured.

Ensure that you maintain your good school grades. A student aged 21 years pays much less for insurance cover compared to a one who's not attending college, and once you graduate, you'll qualify for an additional discount. When choosing student motor insurance, you should look at providers offering plans favouring students with good grades. The truth is that they have an inclination to offer reduced prices for individuals achieving a B grade average as a minimum. For this you are required to provide evidence of your academic results i.e. statement of your results.

Florida Tough Teen Driving Laws, Insurance Regulations.

In Florida, auto insurance coverage is mandatory for everyone operating a vehicle. The minimum the law will allow is $10,000 of bodily injury coverage for one person, $20,000 for more than one, and $10,000 in property damage liability. The state law says that these minimums must be in place when the operator of the vehicle incurs a DUI citation, the result of which is revocation of his or her driver's license.

Additionally the minimum coverage must be in force should a driver have an accident that is his or her fault and which involves any injuries. A driver whose license gets suspended for having received too many points on it, or because of habitual traffic offenses must carry the minimums as well. While coverage for uninsured and under-insured drivers is not a requirement of Florida drivers the state says that each insurance carrier must offer the coverage and must document in writing any time a driver is offered such coverage and declines it.

Florida auto insurance carriers and the state itself, realizing that teenagers have far more accidents in southern states than in other areas of the country, worked together to devise a plan to improve the teen accident statistics. One of the first states to implement a Graduated Drivers License (GDL) plan, Florida has realized a nine percent decrease in auto accidents that involved teens, in just one year of the program.

As of 1996, when this highly successful plan went into effect, teens must pass three distinct levels of licensing before they are issued a final license to operate a vehicle on their own. The GDL requires that anyone 15 or 16 years of age must pass a driver's education class before even applying for a learner's permit. Once the learner's permit is issued, the teenager still has to undergo 50 hours of supervised driving, 10 hours of which must be after sunset. The teen has to drive with the learner's permit for one year, and have a flawless driving record during that year, before he or she can apply for a license. The license then issued is a restricted one, what Florida calls a Class E license, only given to Florida residents 16 or 17 years of age.

Then, to obtain a standard driver's license, the teenager must obtain written parental consent, pass an additional course in substance abuse, prove Florida residency, provide his or her social security card, pass both a written and vision test, and pay a small fee.

While these Florida regulations may seem a bit harsh, the reduction in teen auto accidents is notable. Of course, another distinct advantage of these tough regulations is that teens who follow these guidelines of driver's education training and clean driving record for one year will pay far less for their Florida auto insurance than others who fail to comply.

How To Shop Online Auto Insurance Quotes

Why to take online car insurance quotes? If you have an old car insurance policy, you are most probably paying too much. It is usual, that people regard their insurance policies impossible to improve or they see the shopping too difficult for them.

The secret to get the best online auto insurance quotes is to shop around. Sounds familiar? The car insurance market is like all markets. The online auto insurance quotes go up and down following the general economy and the circumstances of the insurance companies.

A smart shopper can utilize the special offers and discounts. This requires, that he will create many online auto insurance quotes to be able to compare the offers from different insurance companies.

1. The Comparison Sites Online.

Every policy holder wants the cheapest policy with the maximum coverage. To reach this, it would be a big job to take contacts or visit every single insurance company, or even get enough online auto insurance quotes. But there is an easier way, to use the auto insurance comparison sites, which can give you the best quotes quickly.

These sites require only a simple form to fill in and you will have the quote. If you already are a customer in some other company, you can still hunt cheaper policy and then to cancel the present one. Your policy holder will refund the money.

2. The Local and National Companies.

The comparison sites have in their databases the latest offers and discounts from both local and national companies, which are independent insurance carriers and local agents.

3. The Quotes Must Be Free, Says The Law.

It happens every now and then that the politicians make good decisions. Here they have done a great service to the consumers by creating a law, which rules that the auto insurance quotes must be free. This means, that people really want to check their policies and this also makes the market more effective.

4. Prepare The Basic Information In Peace.

When you plan to take insurance price quotes, all companies require the same basic information about your driving habbits and about your cars. You should create this information with care, because it has influences on the quotes. Seek more about this from the Net.

The magic word to the best auto insurance price quotes is the competition. Without the online services it would be impossible to get the best deals, because a single consumer could not know the cheapest companies right at the moment, when he wants the auto insurance quote.

The insurance companies can even use these services to boost their sales, i.e. if a sales manager is missing some sales from his monthly target, what he can do easily, is to offer some insurances at discount prices. If the consumer is lucky, he or she may get an insurance with a real bargain price.

Buying Cheap Auto Insurance Online

The ever growing Internet is a great place to be to buy just about anything and everything. You can even check there and find cheap auto insurance. While many people are always hesitant about getting insurance online, it can actually help you find a better deal for the same amount of coverage that is just as good as any other company out there. Finding it online is also easy and fast.


There are several websites available now that you can begin with that will show you free quotes from insurance companies from all over the world. You can instantly see what companies can offer you based on the information you provide them. Insurance companies will either call you, e-mail you, or mail you things in the mail and how they contact you all depends on the contact information you give them. They will only give you information based on what you specified that you were looking for in a policy. Getting online quotes can let you see more than one quote at a time and can save you time that you would spend by calling each individual company on the phone.


Once you have decided on a company to deal with, you will have the option to give them all the information they need and you can even print out temporary insurance cards form the Internet until your new ones arrive. Everything can be done online. Although, make sure that wherever you get your insurance from, will cover you and your vehicle in your state. There are some companies that only cover certain states. This is another reason why researching companies is very important.


The Internet can be a great place to find cheap auto insurance and they can sometimes offer deals for you to lock in for a limited time only that you may not be able to find in a physical office.

Low Cost Auto Insurance As Valid As Expensive Policies

Many people wrongly believe that low cost auto insurance is "less valid" than the overly expensive policies. Under that logic, you would reject that hot new gaming system just because it goes on sale. By shopping outside of the "popular" companies and using the five tips below, you can claim a good deal on the coverage you need.

Deductible: When you have a higher deductible, you will pay less per month. In exchange for the insurance company giving you a discount, you will be expected to pay more out of pocket if you have an accident. Raising the deductible is a great way to reduce your insurance expense. Coverage Per Person: Each state requires a certain level of protection in the case of an accident.

By meeting or exceeding these minimums, you will remain a legal driver. Higher coverage costs more, but the insurance company will pay out more for a claim. Credit Check: Many insurance companies will check your credit history and use that information as one way to decide how much you will pay. If you have good credit, you have an advantage. If your credit needs some improvement, you may get a better deal through companies that do not put as much weight into your credit report or do not use it at all. Maximize Your Discounts: Even after you have found a low-cost car insurance policy, you may be able to shave a few dollars off the price through a multi-policy discount (home, auto, life insurance, etc.), a good student discount, or a paperless statements agreement. Shop Around: Different insurance companies can offer similar policies for many different prices. By comparing the coverage limits, ease of making a claim, and impact to your bank account, you are sure to get the best low cost auto insurance.

Three Mistakes Businesses Make About E & O Insurance

Every business needs e & o insurance. People who automatically fastener their seatbelt before they start the vehicle joyfully go through life without this wonderful protection because they lack valuable information. Business owners believe lawsuits are only filed when a mistake happens or that they are protected from mistakes under their general insurance policy. Sometimes businesses have this insurance or think they do. Once people understand that errors and omissions insurance lets businesses keep operating while professionals handle legal issues, they will gladly invest in this protection.

The belief that lawsuits are the result of a mistake or a problem is false. As many lawsuits are filed over an allegation of negligence or from the fruitful imagination of an opportunist looking for easy money, everyone and anyone can be a target. Whether the lawsuit is justified or frivolous, the cost to defend or settle the suit is expensive. Lawyers invest hundreds of billable hours in getting the facts, taking depositions and filing legal documents. Although most e & o policies provide money for defense attorneys, the real value is in the quality of attorneys these insurance companies hire. These are specialists in the industry with a clear understanding of the law working for the insured and insurance company.

Regular business liability insurance does not cover e & o issues. When a business owner or employee makes a mistake, there is no insurance to cover the cost of fixing it. A florist shop may send wedding flowers to a funeral. An auto repair facility uses the wrong part. An electrician does not install lights in a room. An accountant missed the tax deadlines. A doctor amputates the wrong leg. An attorney forgets a filing date. All these businesses or people are uninsured and will be expected to fix the mistake or reimburse people for actual expenses, pain and suffering. This could be extremely expensive.

Each e & o policy needs to fit the industry and business. A careful review of existing policies by an experienced agent familiar with that industry will alert policyholders to potential problems. For example if a real estate company also manages the owner's rental properties, the policy may not cover property management and the claim from a tenant who suffered injuries. An insurance agent familiar with the industry can help companies customize this policy to their method of operation.

E & o insurance is a valuable protection allowing people and businesses to continue operating when something happens. Legal problems can come at any time and mistakes and negligence are not covered under any other business insurance. As each business operates differently, periodically reviewing existing errors and omissions policies to make sure these cover current business operations guarantees this coverage is available when it is needed.