Shopping for car insurance can be a big undertaking. It can be daunting at times but is very important. There are now many ways to get yourself insured and the coverage you need.
Smart customers know it pays to do a little research before buying car insurance. Just based on the price of the insurance rates today, why not take the time to check the rates with several companies. Researching companies holds true for renewals as well. You can get a feel for the insurance market and find out if you have the best rates. If your current policy is already cheaper you know you are doing all right.
The first and best way to find out what is out there is to go through your local yellow pages. Most, if not all, companies will give you quotes right over the phone. This way you can run down the list and get multiple rates right away. One thing to remember is to compare apples to apples. This means make sure you are getting the price for the same type of coverage.
Full coverage for one company is not the same as for another. Limits are important to look at as well. Bodily injury with company A may be a little cheaper then B but their coverage may be only 10,000/20,000 while B's is 100,000/300,000. You want to make sure you are aware of the coverage you are have and that you want the type of insurance you are getting a rate for. You can always adjust your policy up or down to meet your needs. Before adjusting it down consider that you may save a few dollars now by lowering coverage but during a claim be unhappy that the limits paid are lower then your damages. Always, always buy as much insurance as you can afford.
Another way to find companies in your area is to go online (www.insuredbysteve.com) . The Internet is an excellent tool to help you shop around. You can look up many carriers and may even be able to run quotes yourself. There is no waiting on hold and you can usually do it 24 hours a day. You do not have to wait for an agent to help you or call you back if he or she is busy. You can print out lists and easily compare prices.
Online you can also check the credentials of the company. You can look to see how long they have been in business and find locations. You can find companies that are not in your local area but can serve you just as well. Some companies allow you to start your policy right on the computer for added convenience. You can get your quote, enter your information and activate your policy immediately. Proof of insurance usually can be printed right from your home computer's printer.
Driving around town may also afford you the chance to find a company that is close to you. An agency close to your home or job is convenient (877 My Insurance is located at 14575 Manchester Rd 2 miles west of highway 141). Agencies close by also let you make payments right in the office and lets you get to know your agent. This way however does give you a limited amount of choices and prices may not be as good as you may get by calling around.
Is one way better then the other? Well that is up to you. Some people just want to get the process over and done with. Some people want the best rate available. Some want the best and most coverage available. The answer is whatever is most comfortable for you is what you should go with.
Let me shop your insurance rates and find you discounts that you might realize, existed. You can do so by calling me direct at 636-410-6219 or visiting www.insuredbysteve.com
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Showing posts with label 877 My Insurance. Show all posts
Showing posts with label 877 My Insurance. Show all posts
Wednesday, May 12, 2010
Thursday, April 22, 2010
pet injury coverage- progressive insurance
With Progressive's Pet Injury coverage, your auto insurance policy protects your dog or cat, too.
What Is Pet Injury Coverage?
Pets are part of your family, and when you take them with you in the car, they're your passengers, too. So shouldn't they be covered by your auto insurance policy? We think so.
That's why we offer up to $1,000 of coverage for your dog or cat if they're injured or worse when you're in a car accident, or during a fire or theft. And, it's free! That's right. Progressive's Pet Injury coverage is automatically included in your Collision coverage.*
When Can You Use Pet Injury Coverage?
If you can use Collision coverage, you can use Pet Injury coverage for pets you or relatives who live with you have. If you're ever in an accident and your dog or cat is injured, Progressive pays up to $1000 towards vet bills and medicine. Coverage also extends to a cat or dog owned by a relative who lives with you.
Pet Injury coverage is built in to your Collision coverage — there's no added cost if you choose to use it or not use it. It's just one more way we let you know we care about you and your family, human or otherwise.
How Is Pet Injury Coverage Different from Pet Insurance?
Progressive's Pet Injury coverage protects your dog or cat from injuries that result from accidents when they're inside your vehicle. Pet Injury coverage is not pet insurance, which covers your pet in the event of illness or injury.
Pet insurance pays for vet bills when your pet is sick or hurt. With pet insurance, you pay the bill and are reimbursed by the pet insurance company. Many plans have deductibles, maximums and even coinsurance. Pet insurance does not necessarily cover all medical conditions for your pet, so make sure you get all the facts before you buy.
Pet Injury coverage is built into your Collision coverage on your Progressive auto insurance policy. Your dogs and cats are covered for vet costs up to $1,000 when they're hurt in an accident.
*Pet Injury coverage is not yet available in North Carolina or New Hampshire.
What Is Pet Injury Coverage?
Pets are part of your family, and when you take them with you in the car, they're your passengers, too. So shouldn't they be covered by your auto insurance policy? We think so.
That's why we offer up to $1,000 of coverage for your dog or cat if they're injured or worse when you're in a car accident, or during a fire or theft. And, it's free! That's right. Progressive's Pet Injury coverage is automatically included in your Collision coverage.*
When Can You Use Pet Injury Coverage?
If you can use Collision coverage, you can use Pet Injury coverage for pets you or relatives who live with you have. If you're ever in an accident and your dog or cat is injured, Progressive pays up to $1000 towards vet bills and medicine. Coverage also extends to a cat or dog owned by a relative who lives with you.
Pet Injury coverage is built in to your Collision coverage — there's no added cost if you choose to use it or not use it. It's just one more way we let you know we care about you and your family, human or otherwise.
How Is Pet Injury Coverage Different from Pet Insurance?
Progressive's Pet Injury coverage protects your dog or cat from injuries that result from accidents when they're inside your vehicle. Pet Injury coverage is not pet insurance, which covers your pet in the event of illness or injury.
Pet insurance pays for vet bills when your pet is sick or hurt. With pet insurance, you pay the bill and are reimbursed by the pet insurance company. Many plans have deductibles, maximums and even coinsurance. Pet insurance does not necessarily cover all medical conditions for your pet, so make sure you get all the facts before you buy.
Pet Injury coverage is built into your Collision coverage on your Progressive auto insurance policy. Your dogs and cats are covered for vet costs up to $1,000 when they're hurt in an accident.
*Pet Injury coverage is not yet available in North Carolina or New Hampshire.
Progressive App for IPhone
Great news! Progressive Insurance, has released an app for your IPhone! This new app offers policyholders 24/7 policy access, claims reporting, and bill pay all from the convience of your Iphone! The app is free and can be a great tool! The app also provides policyholders information to help them make smarter car buying decisions with a cost to insure tool and crash test ratings. Soon, Progressive will be promoting this app via email and TV ads! If you would like a free quote with progressive or any other of our other great companies, please call 314-368-9125 or go to www.insuredbysteve.com !
Tuesday, April 20, 2010
Posting your birthday on Facebook could result in Identity Theft
Think twice before posting your birth date on Facebook or other social networking sites. According to Information Week, doing so could help identity thieves predict your Social Security number.
Online information about your date of birth and place of birth could allow identity thieves to guess your Social Security number, according to a Carnegie Mellon report. Its findings suggest that Social Security numbers can be predicted using basic demographic data gleaned from government data sources, commercial databases, voter registration lists, or online social networks.
Knowing a person’s Social Security number (SSN), name, and date of birth is typically enough to allow an identity thief to impersonate that person for the purpose of various kinds of fraud.
Researchers estimate that 10 million American residents publish their birthdays in online profiles, or provide enough information for their birthdays to be guessed.
Were you aware that Travelers Insurance has an Identity Theft Policy? By combining your Home or auto with the Identity theft protection sheild, you are elligible to receive a multi-line discount, which basically saves you enough to pay for the extra coverage. Get your Free Insurance/Identity theft quotes for FREE at www.insuredbysteve.com or by calling me at 314-368-9125. P
Online information about your date of birth and place of birth could allow identity thieves to guess your Social Security number, according to a Carnegie Mellon report. Its findings suggest that Social Security numbers can be predicted using basic demographic data gleaned from government data sources, commercial databases, voter registration lists, or online social networks.
Knowing a person’s Social Security number (SSN), name, and date of birth is typically enough to allow an identity thief to impersonate that person for the purpose of various kinds of fraud.
Researchers estimate that 10 million American residents publish their birthdays in online profiles, or provide enough information for their birthdays to be guessed.
Were you aware that Travelers Insurance has an Identity Theft Policy? By combining your Home or auto with the Identity theft protection sheild, you are elligible to receive a multi-line discount, which basically saves you enough to pay for the extra coverage. Get your Free Insurance/Identity theft quotes for FREE at www.insuredbysteve.com or by calling me at 314-368-9125. P
Saturday, April 17, 2010
Renter's Insurance In a Nutshell: What You Need to Know
The last thing on your mind when renting a home or apartment is probably renter's insurance right? Renter's insurance can bring you a peace of mind that you are protected from life's unpredictable events. You may assume that you are covered under your landlord's insurance, but that is not always the case. Your landlord's insurance policy probably only covers damages to the actual building structure or anything attached to the structure (ex:gutters, awnings, roof, etc); not your actual possessions. Renter's insurance actually ensures that you can protect your own possession from a disastrous scenario.
Here is what you need to know about renter's insurance in a nutshell:
What is Renter's Insurance?
Renter's insurance typically covers the losses of your possessions. It is similar to homeowner's insurance except it does not include coverage of damage to the actual building you live (your landlord's worry).
It covers the costs of replacing personal items that are stolen, damaged, or destroyed. According to MSN Money, some of the types of disasters that are typically covered by renter's insurance are:
•Fire or lightning
•Windstorm or hail
•Explosion
•Riot or civil commotion
•Aircraft
•Vehicles
•Smoke
•Vandalism or malicious mischief
•Theft
•Damage by glass or safety-glazing material that is part of a building
•Volcanic eruption
•Falling objects
•Weight of ice, snow, or sleet
•Water-related damage from home utilities
•Electrical surge damage
Do take note that renter's insurance does not typically cover flood damage or earthquake damage.
What Does It Cover?
What renter's insurance covers varies. Your insurance will typically cover the following:
•Electronics
•Clothes
•Furniture
•Sports Equipment
•Appliances
•Jewelry
•Collectibles
Keep in mind that actual value coverage is vastly different than replacement value coverage. If you have an old sound system that you bought for a pretty penny back in 2000, it may not be worth much in actual value. If you have to replace that sound system, it will probably cost more. Make sure you know if you are covered for actual value versus replacement cost.
The one nice perk about renter's insurance is that it covers your possessions even if the damage occurs outside of home. Let's say you are outside and someone steals your wedding band. You are typically covered by renter's insurance.
It Protects You From Liability
Renter's insurance also often covers you from many types of liability -- such as someone getting injured in your home, damage you cause to another person't property (you mess up the neighbor's house), and housing costs if your own home becomes uninhabitable.
In the end, paying for renter's insurance is worth the hassle because it protects you from a host of bad things that no one can predict. It is one of those things that no one really thinks about, but when you are in a pinch, you are glad it is there.
Here is what you need to know about renter's insurance in a nutshell:
What is Renter's Insurance?
Renter's insurance typically covers the losses of your possessions. It is similar to homeowner's insurance except it does not include coverage of damage to the actual building you live (your landlord's worry).
It covers the costs of replacing personal items that are stolen, damaged, or destroyed. According to MSN Money, some of the types of disasters that are typically covered by renter's insurance are:
•Fire or lightning
•Windstorm or hail
•Explosion
•Riot or civil commotion
•Aircraft
•Vehicles
•Smoke
•Vandalism or malicious mischief
•Theft
•Damage by glass or safety-glazing material that is part of a building
•Volcanic eruption
•Falling objects
•Weight of ice, snow, or sleet
•Water-related damage from home utilities
•Electrical surge damage
Do take note that renter's insurance does not typically cover flood damage or earthquake damage.
What Does It Cover?
What renter's insurance covers varies. Your insurance will typically cover the following:
•Electronics
•Clothes
•Furniture
•Sports Equipment
•Appliances
•Jewelry
•Collectibles
Keep in mind that actual value coverage is vastly different than replacement value coverage. If you have an old sound system that you bought for a pretty penny back in 2000, it may not be worth much in actual value. If you have to replace that sound system, it will probably cost more. Make sure you know if you are covered for actual value versus replacement cost.
The one nice perk about renter's insurance is that it covers your possessions even if the damage occurs outside of home. Let's say you are outside and someone steals your wedding band. You are typically covered by renter's insurance.
It Protects You From Liability
Renter's insurance also often covers you from many types of liability -- such as someone getting injured in your home, damage you cause to another person't property (you mess up the neighbor's house), and housing costs if your own home becomes uninhabitable.
In the end, paying for renter's insurance is worth the hassle because it protects you from a host of bad things that no one can predict. It is one of those things that no one really thinks about, but when you are in a pinch, you are glad it is there.
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