Certain auto insurance information is required by company's before they can issue you an insurance policy. This information is important to help them set rates and premiums. Before starting to gather your quotes, whether online, by telephone or in person, it is a good idea to gather all the relevant documents that contain the information you will need. For example, an existing auto policy and your vehicle registration document will be a great help, but there may be other documents required as well.
Required Auto Insurance Information
When applying for auto insurance quotes or requesting a policy, the online forms will generally ask you:
The make, model, age and color of car(s) you own. You may be asked for mileage information and other details as well, such as which optional safety features are installed. Air bags, anti-lock brakes and anti-theft devices can all lower your policy cost, so make sure to lift any safety features your car has.The VIN number is also required when applying for a policy.
How many people will be driving the vehicle. You will have to know their ages, their driving records and, in most cases, their driver's license numbers when applying for a policy.You should mention if any of the drivers have completed safe-driving courses, or if any students listed on the policy are receiving good grades, as both of these things may make you eligible for various discounts from certain insurers.
Where you live, how long you have lived there, and whether the vehicle(s) will be garaged at that address. Having a secured garage can save you money, and keeping the car in an urban area tends to be more expensive than keeping it in a rural area.
Approximately how many miles you drive in a year and whether you drive for work or for pleasure. It costs more to use a car for commuting than for taking an occasional Sunday drive, since the more a car is driven, the greater the chance of an accident occurring. If you can keep the miles under 9000 per year on one or more of your cars, you may be eligible for a discount on insuring that vehicle.
What type of insurance cover you are seeking: This can include information on coverage limits and deductibles. Deductibles are amounts you will pay before making a claim. For example, if you have a claim of $500, but your deductible is $250, then you will pay the first $250 yourself, and claim for the rest from the auto policy. Coverage limits are the maximum amounts the policy will pay out per category. You may also be asked if you want collision insurance, or other extras such as rental car coverage.
Buying Auto Insurance
When buying car insurance, it is handy to refer to your current policy which will have all the relevant auto insurance information listed that you will need to get a quote or sign up for a policy. Once your agent or the insurance company has collected all the details required, he or she will then give you a quote for a premium, based upon the information which you have provided.
Sabtu, 04 September 2010
Kamis, 15 April 2010
lowest auto insurance: Understanding California Auto Insurance
Automobile coverage in CA can become complex depending on a person’s specific needs and is often misunderstood by consumers which may leave them with the wrong type of policy and/or underinsured. The Golden State requires that motorists follow the Financial Responsibility law in order to register and operate a vehicle; what this means is that motorists must have compensation in place in the event that they cause injury or property damage to a third party while operating their automobile.
Complying with the state’s Financial Responsibility law can be done in a few different ways; a vehicle owner can make a cash deposit of $35,000 with the Department of Motor Vehicles (DMV), obtain a surety bond in the same amount from an insurer licensed to do business in the state or use the most common method of obtaining a California auto insurance policy from a licensed carrier. Californians who choose to purchase policies must obtain minimum limits of liability in the amount of $15,000 for bodily injury to one person, $30,000 for bodily injury to two or more people and $5,000 for property damage; motorists should be aware that this coverage does not cover any property damage or injuries that are sustained by the insured.
Additional Info About CA Car Insurance
A large number of individuals who choose to purchase an auto insurance policy often buy policies with the lowest limits that the state allows; this is usually because it is most likely the most affordable coverage since it offers the least protection. Unfortunately what many do not realize is that California has some of the lowest requirements in the nation and purchasing these low limits can leave motorists liable for the cost of injuries or damages that exceed what is covered by the policy. For example, if a motorist strikes a high end vehicle and causes damages in the amount of $12,500; if the minimum is carried for property damage then the insurer will only pay $5,000 toward the damage and the policyholder could be held responsible for the remaining $7,500.
Many industry professionals and consumer guides suggest that motorists purchase policies with limits of $100,000/$300,000/$50,000 to help avoid facing financial hardships in the event that a third party is seriously injured or substantial property damage is caused by the policyholder. Although these limits may be much higher than what is required and can become expensive for some individuals, it may be wise to buy limits as high as can be afforded. In addition, motorists should be aware that the state requirements will not pay for injuries or damages sustained by the insured and additional coverage must be purchased to cover expenses if this were to occur. The California Department of Insurance Information Guide explains the optional types of coverage such comprehensive and collision which will help pay to repair or replace an insured’s vehicle.
Minggu, 11 April 2010
Group Auto and Home Insurance
By selecting MetLife Auto & Home’s group insurance program through your employer, you will receive special savings, outstanding service and a wide range of policies to suit your needs. You’ll save time and money with our hassle-free payment options. You’ll get access to knowledgeable insurance consultants whose only goal is to give you great customer service. It’s purchasing insurance made easier!
Get an Auto Quote Now
Collapse All
Expand All
Group customers get more!
In addition to the many discounts and features available on our standard policies, find out why group customers get more:
*
Payroll deduction. Premium payments are automatically deducted from your paychecks. Paying your premiums has never been so easy, or so smart. There are no interest charges or service fees. Plus, you could save as much as 10% on your premiums.
*
Special group rates. Group discount available just for purchasing your coverage through your employer. Saving money just got more convenient.
*
Tenure discount. Employee longevity can qualify you for additional discounts! The longer you’re a member of your group, the larger your discount — up to 20%!
*
Garaging discount. If you park your car in a garage, you may save up to 20%.
*
One-call service. Our 24/7/365 claim reporting and customer service professionals are all available through one toll-free number—1 800 GET-MET 8 (1-800-438-6388).
Are you eligible for our group program?
If you’re not sure if your company or group offers access to MetLife Auto & Home’s program, ask your human resources or employee benefits representative.
Your peace of mind is guaranteed
Between a job, family, and upkeep of your house and autos, we know that life can get very busy. The last thing you want to add to your to-do list is researching insurance companies and policies for the best coverages and rates. You'll have no worries with your insurance from MetLife Auto & Home®.
Call our insurance experts and they will find the right coverage that best suits your needs, as well as talk through any questions you have. It goes beyond our best-in-class coverage; most importantly, we'll be here when you really need us, after an accident or other disaster.
Get a free quote today
It’s simple to apply in the group insurance program or receive a free, no-obligation insurance quote.
* Auto quotes. Click Instant Auto Quote and enter the requested information OR call toll-free at 1 800 GET-MET 8 (1-800-438-6388) for all of your insurance needs
* Find a Group Agent near you
Are you an employer or broker?
If you’d like to find out how the MetLife Auto & Home’s group insurance program could benefit your employees or corporate customers, send us an email at GPAutoHome@MetLifeservice.com or call Voluntary Benefits Sales at 1-800-570-0560.
FAQ
Group Insurance Program
Check out these frequently asked questions for explanations about MetLife Auto & Home®'s group insurance programs for auto and home insurance and more.
What makes MetLife Auto & Home's group program different from policies provided outside this program?
Because your employer/association has arranged to provide you access to this program as a company benefit, we are able to provide discounted rates and special other “perks” because you are part of a participating group. Your employer may also provide the option of payroll deduction as a payment method – making it so easy and convenient, you will never have to think about writing another check.
You can be sure to expect the same best-in-class coverage, unique features and superior service that comes with every MetLife Auto & Home policy.
How can I get insurance quotes or participate in the group insurance program?
Our Insurance Sales Center is ready to answer all your questions. For group customers, our consultants are available Monday through Saturday. We have extended weekday evening hours to give you more accessible, convenient service.
*
Auto quotes. Click Instant Auto Quote and enter the requested information.
*
OR call toll-free at 1-800-GET-MET8 (1-800-438-6388) to speak with a licensed consultant.
*
Application and general insurance questions. Call 1-800-GET-MET8 (1-800-438-6388) during operating hours (Eastern Standard Time) Monday through Thursday, 8:00 a.m. to 10:00 p.m.; Friday, 8:00 AM to 9:00 PM, and Saturday, 9:00 AM to 4:30 PM. Or email your questions anytime to: GpAutoHome@MetLifeservice.com.
*
Or you can locate one of our local Group-specific agents for an in-person consultation.
What are my payment options?
MetLife Auto & Home's group insurance program offers you many payment options so you can choose what's easy and convenient for your lifestyle. With most options, your premium payments are divided equally throughout the policy term (in some cases a down payment is required). Your options may include:
* Payroll deduction makes paying your premium easy and convenient
* Monthly recurring credit card
* ExpressIT®, which makes automatic deductions from your personal bank account
* Traditional home billing
* Mortgagee billing for home and condo insurance customers
What happens to my insurance policies if I retire or leave my company?
No worries! You could continue your MetLife Auto & Home coverage without interruption. (Subject to applicable law, individual qualification and local availability. If you moved interstate upon your termination, not all policies are available in all states.) Although payroll deduction will obviously not be available if you retire or leave your company, you may be able to pay your insurance premiums through our ExpressIT® our bank account deduction option, or by credit card, home billing, or, in some cases, pension deduction.
What happens if I go on short-term disability, such as maternity leave, and my premium is deducted from my paycheck?
Your MetLife Auto & Home insurance coverage will stay in effect throughout your leave, subject to policy terms. However, if you were on payroll deduction and you're not receiving a regular paycheck from your employer, you will receive a bill directly from MetLife Auto & Home. When you return to regular employment, your payroll deduction can restart with a simple phone call to 1-800-GET-MET8 (1-800-438-6388).
Is the claims service any different for group customers?
No, claims can be reported 24 hours a day, 7 days a week. Just call 1-800-854-6011.
Instant Auto Quote
Get an instant auto quote today and start saving! See how affordable it is to start really protecting yourself. With MetLife Auto & Home®, if you are part of a of a participating group, you could get unique advantages that you generally won't find with other carriers - all at no additional charge:
* Special rates and discounts as part of an employer or association benefits program
* Payroll Deduction payment option (where available)
* Replacement Cost for Total Losses3
* Deductible Savings Benefit2
* Identity Theft Resolution Solutions1
* Replacement Cost for Special Parts3
* Enhanced Rental Car Damage Coverage3
Call 1 800 GET-MET-8 (1-800-438-6388)5 and speak directly with someone who can guide you in choosing the right policy for you and your family.
* Get an Auto Quote Now
* Retrieve my Saved Quote
* Find a Group Agent
Get an Auto Quote Now
1. Identity Theft Resolution Service automatically provided to auto, RV, mobile home (NY only), motorcycle, home, renters, condo, GrandProtect®, PAK II, and Platinum customers. Not available to auto customers in NC and NH, nor to home customers in NC.
2. Not available in all states. In NY, a state-required minimum deductible is required before using this benefit.
3. Subject to deductible and state availability. See policy for restrictions. Not available in MA or NC; special parts coverage not available in TX.
*Telephone quotes are not available in all states.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its Affiliates, Warwick, RI
Get an Auto Quote Now
Collapse All
Expand All
Group customers get more!
In addition to the many discounts and features available on our standard policies, find out why group customers get more:
*
Payroll deduction. Premium payments are automatically deducted from your paychecks. Paying your premiums has never been so easy, or so smart. There are no interest charges or service fees. Plus, you could save as much as 10% on your premiums.
*
Special group rates. Group discount available just for purchasing your coverage through your employer. Saving money just got more convenient.
*
Tenure discount. Employee longevity can qualify you for additional discounts! The longer you’re a member of your group, the larger your discount — up to 20%!
*
Garaging discount. If you park your car in a garage, you may save up to 20%.
*
One-call service. Our 24/7/365 claim reporting and customer service professionals are all available through one toll-free number—1 800 GET-MET 8 (1-800-438-6388).
Are you eligible for our group program?
If you’re not sure if your company or group offers access to MetLife Auto & Home’s program, ask your human resources or employee benefits representative.
Your peace of mind is guaranteed
Between a job, family, and upkeep of your house and autos, we know that life can get very busy. The last thing you want to add to your to-do list is researching insurance companies and policies for the best coverages and rates. You'll have no worries with your insurance from MetLife Auto & Home®.
Call our insurance experts and they will find the right coverage that best suits your needs, as well as talk through any questions you have. It goes beyond our best-in-class coverage; most importantly, we'll be here when you really need us, after an accident or other disaster.
Get a free quote today
It’s simple to apply in the group insurance program or receive a free, no-obligation insurance quote.
* Auto quotes. Click Instant Auto Quote and enter the requested information OR call toll-free at 1 800 GET-MET 8 (1-800-438-6388) for all of your insurance needs
* Find a Group Agent near you
Are you an employer or broker?
If you’d like to find out how the MetLife Auto & Home’s group insurance program could benefit your employees or corporate customers, send us an email at GPAutoHome@MetLifeservice.com or call Voluntary Benefits Sales at 1-800-570-0560.
FAQ
Group Insurance Program
Check out these frequently asked questions for explanations about MetLife Auto & Home®'s group insurance programs for auto and home insurance and more.
What makes MetLife Auto & Home's group program different from policies provided outside this program?
Because your employer/association has arranged to provide you access to this program as a company benefit, we are able to provide discounted rates and special other “perks” because you are part of a participating group. Your employer may also provide the option of payroll deduction as a payment method – making it so easy and convenient, you will never have to think about writing another check.
You can be sure to expect the same best-in-class coverage, unique features and superior service that comes with every MetLife Auto & Home policy.
How can I get insurance quotes or participate in the group insurance program?
Our Insurance Sales Center is ready to answer all your questions. For group customers, our consultants are available Monday through Saturday. We have extended weekday evening hours to give you more accessible, convenient service.
*
Auto quotes. Click Instant Auto Quote and enter the requested information.
*
OR call toll-free at 1-800-GET-MET8 (1-800-438-6388) to speak with a licensed consultant.
*
Application and general insurance questions. Call 1-800-GET-MET8 (1-800-438-6388) during operating hours (Eastern Standard Time) Monday through Thursday, 8:00 a.m. to 10:00 p.m.; Friday, 8:00 AM to 9:00 PM, and Saturday, 9:00 AM to 4:30 PM. Or email your questions anytime to: GpAutoHome@MetLifeservice.com.
*
Or you can locate one of our local Group-specific agents for an in-person consultation.
What are my payment options?
MetLife Auto & Home's group insurance program offers you many payment options so you can choose what's easy and convenient for your lifestyle. With most options, your premium payments are divided equally throughout the policy term (in some cases a down payment is required). Your options may include:
* Payroll deduction makes paying your premium easy and convenient
* Monthly recurring credit card
* ExpressIT®, which makes automatic deductions from your personal bank account
* Traditional home billing
* Mortgagee billing for home and condo insurance customers
What happens to my insurance policies if I retire or leave my company?
No worries! You could continue your MetLife Auto & Home coverage without interruption. (Subject to applicable law, individual qualification and local availability. If you moved interstate upon your termination, not all policies are available in all states.) Although payroll deduction will obviously not be available if you retire or leave your company, you may be able to pay your insurance premiums through our ExpressIT® our bank account deduction option, or by credit card, home billing, or, in some cases, pension deduction.
What happens if I go on short-term disability, such as maternity leave, and my premium is deducted from my paycheck?
Your MetLife Auto & Home insurance coverage will stay in effect throughout your leave, subject to policy terms. However, if you were on payroll deduction and you're not receiving a regular paycheck from your employer, you will receive a bill directly from MetLife Auto & Home. When you return to regular employment, your payroll deduction can restart with a simple phone call to 1-800-GET-MET8 (1-800-438-6388).
Is the claims service any different for group customers?
No, claims can be reported 24 hours a day, 7 days a week. Just call 1-800-854-6011.
Instant Auto Quote
Get an instant auto quote today and start saving! See how affordable it is to start really protecting yourself. With MetLife Auto & Home®, if you are part of a of a participating group, you could get unique advantages that you generally won't find with other carriers - all at no additional charge:
* Special rates and discounts as part of an employer or association benefits program
* Payroll Deduction payment option (where available)
* Replacement Cost for Total Losses3
* Deductible Savings Benefit2
* Identity Theft Resolution Solutions1
* Replacement Cost for Special Parts3
* Enhanced Rental Car Damage Coverage3
Call 1 800 GET-MET-8 (1-800-438-6388)5 and speak directly with someone who can guide you in choosing the right policy for you and your family.
* Get an Auto Quote Now
* Retrieve my Saved Quote
* Find a Group Agent
Get an Auto Quote Now
1. Identity Theft Resolution Service automatically provided to auto, RV, mobile home (NY only), motorcycle, home, renters, condo, GrandProtect®, PAK II, and Platinum customers. Not available to auto customers in NC and NH, nor to home customers in NC.
2. Not available in all states. In NY, a state-required minimum deductible is required before using this benefit.
3. Subject to deductible and state availability. See policy for restrictions. Not available in MA or NC; special parts coverage not available in TX.
*Telephone quotes are not available in all states.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its Affiliates, Warwick, RI
Langganan:
Postingan (Atom)
