Car Insurance Comparison – 3 Steps to Multiple Quotes

By: Barb Dearing

Are you part of the 75% of consumers who don’t shop for an annual car insurance comparison? If so, don’t feel guilty — shopping for car insurance takes time and multiple quotes can get mighty confusing. At least, that was true of the old-fashioned way where you had to pick up the phone and power dial half-a-dozen different agents to get quotes.

But the times they are a changin’ and now it’s possible to complete a car insurance comparison in less time than it takes to drink a cup of coffee. How, you ask? Online, of course! Your car insurance comparison can all be accomplished quickly and painlessly if you fire up your computer and follow the three steps outlined below.

Step 1. Gather some basic personal information before you start. You will want to have: a copy of your current car insurance policy (so you can refer to current coverage amounts); the make and models of all cars being insured; a history of accidents or other car insurance claims over the past five years (for each driver being insured). It’s also helpful to know the approximate length of time you’ve been insured with your current company — you’ll get a better quote if you haven’t been switching around between companies.

Step 2. Now it’s time sit down at your computer and choose an online insurance quote provider. These are companies who have relationships with dozens, perhaps hundreds, of major car insurance companies. By using an online quote provider, you aren’t limited to getting quotes from just one company. And we all know that competition results in lower prices, so it’s in your best interest to get quotes from as many different companies as is feasible. But limit the number of quotes you get to seven, or you’ll burn a few brain cells trying to compare them.

Most online quote provides will match you with at least five different insurance companies. These companies can range from small independent agents who are located near you, to the very largest insurance companies who do business in all fifty states. Depending on the state where you live, you may also receive a quote from one of the strictly online companies like Esurance (but these companies are not licensed to provide insurance in all fifty states).

If you aren’t sure which online quote provider to use, there is one recommended at the end of this article.

3. Now it’s time to actually complete the online application. The good news — you only have to fill out one application in order to receive multiple quotes. Complete the application as completely and honestly as possible. The insurance companies will use the information you submit to provide their initial quotes, but they will verify all of your personal information before agreeing to a final policy. It’s important to remember that an online insurance quote will save you time, and probably money, but it’s not an opportunity to defraud the insurer.

Once your application has been submitted, all you have to do is sit back and wait for the quotes to start coming in. You’ll probably have the first one in your email box within the hour. Once you receive at least five quotes, you should have a pretty good idea of your best car insurance rate. If it’s been a few years since your last car insurance comparison, chances are, you’re looking at savings of about 15% on your car insurance. Now wasn’t that worth an hour of your time?

If you need to find a reliable online quote provider, please visit the website recommended below.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2501.shtml

Automobile Insurance Claim – How to File an Auto Insurance Claim

By: David Ackland

Filing an auto insurance claim is one of these things everyone hopes they never have to do, but unfortunately some of us will have to do just that on occasion. It is never easy to deal with the aftermath of an automobile accident. Many automobile insurance companies advertise that their claim process is the easiest and that they will help you through the entire process. Now is the time you hope your car insurance company will stand behind those statements.

After an accident it is recommended that you call the police. Even if the other driver is pressuring you it is a good idea to have an officer come to the scene. They are an impartial witness that can be invaluable when it comes time to deal with the car insurance company.

Exchange all of your information with the other driver. It is essential to make sure you have their auto insurance information, license plate number, and a copy of their driver’s license. This way there can be no confusion or deception later as to who was driving the other vehicle.

Ask the officer at the scene if your vehicle is safe to operate. If it is you should drive home immediately and call your car insurance company. If it is not you should call the insurance company from the scene and ask if there is a specific repair shop it should be towed to. Auto insurance companies often have relationships with certain garages. This will save you the aggravation of having to have the car towed to a certain shop after it has already been towed somewhere else.

When you call your auto insurance company be sure to have your policy number handy. Explain exactly what happened, even if it was your fault. Telling the truth is always preferable to hiding something that will probably come to light later anyway. If the other parties insurance company contacts you it is best to refer them to your insurance company and not to comment further.

Your car insurance company will likely send someone to assess the damage to your vehicle. The insurance company will pay your claim based on the assessment. If you believe your auto insurance claim was denied unfairly you can appeal with the car insurance company itself. If this does not resolve your dispute you should file a complaint with the state division of auto insurance or your Attorney General’s Office.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2477.shtml

Affordable Automobile Insurance – How to Find Cheap Automobile Insurance

By: David Ackland

Affordable auto insurance used to be very difficult to find. Car insurance still isnít going to be cheap, but you can find the most affordable insurance available to you if you know how. The most important tool to use in you car insurance search is the Internet. There are hundreds, if not thousands, of car insurance web sites out there that will help you to find the best quote for a car insurance policy.

Car insurance is a necessary expense, but you can lessen the amount of money you spend if you take your time when shopping for a policy. The best way to do this is to contact multiple auto insurance companies and obtain quotes from them. The quote is what you will pay for your policy.

Getting an auto insurance quote used to be a time consuming process. You would have to call each company individually and answer their questions. Then you would have to repeat this process with the next company, and the one after that, and the one after that. You can see how this could take hours upon hours.

With the advent of the Internet that has all changed. Now you can go to one web site and answer all of the questions at once. These answers are then forwarded to car insurance companies who will offer you a quote based on your answers. This will allow you to see which companies are offering the most competitive policies in your area.

This is a great way to see how much a certain coverage level will cost you. Before buying a policy be sure to make sure the coverage level is appropriate for your financial situation. If you arenít sure what level of car insurance coverage to purchase ask the agent. Not having enough car insurance can be nearly as bad as having none in some cases.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2444.shtml

Dodge Chrysler 2.7L Engine Problems, Oil Sludge, Defects and Failure

By: John Stanley

From 1998-2000 2.7L Engines are prone to premature catastrophic engine failure due to a defectively designed Timing Chain Tensioner that Chrysler quietly redesigned. Unfortunately, many consumers have had to pay out of their own pockets for this while Chrysler avoids responsibility.

From 1998-2004 Dodge / Chrysler 2.7L Engines are prone to Oil Sludge often caused by internal coolant leakage that has to do with the design of the Water Pump that allows coolant to enter the Engine over time and cause oil sludge, experts at a well known remanufacturing company say. The second common cause of engine sludge is from poor oil circulation caused by oil passages that are too narrow causing the oil to wear down more rapidly unlike normal engines. Another contributing oil sludge factor is possibly due to an inadequately designed PCV system that can also accelerate engine oil breakdown, which Chrysler later made improvements to for the 2005 model year along with other changes knowledgeable sources state. Although Chrysler is aware and there is nothing consumers could have done to cause this, Chrysler still regularly blames consumers for 2.7L Engine Oil Sludge.

Chrysler is aware of certain problems and vulnerabilities the 2.7L Engine is prone to have and has quietly made various design changes over the years such as redesigning the Timing Chain Tensioner that was prone to premature failure in 2000, to making changes to try and prevent internal coolant leakage over time into the crankcase. For 2005, changes included improvements to the PCV system and for oil circulation, to even later increasing oil capacity by an extra quart in an attempt to make the engine more robust. Unfortunately, even with all of these modifications we have been informed of premature Dodge / Chrysler 2.7L Engine failures in 2006 Dodge, Chrysler vehicle models.

Chrysler refuses to cover prematurely failed engines even when under its own 3 Year / 36,000 mile warranty while blaming consumers for these problems. These problems are so common and so well known that extended warranty companies also decline to cover Chrysler 2.7L engines. In many cases consumers have changed or had their oil changed every 3,000 miles with name brand motor oil. Many consumers have been able to provide proof while Chrysler still refuses to cover failed 2.7L engines under warranty. It is a common misconception that sludge is caused by brand or type of motor oil since all motor oil sold must meet the same basic standards. However, if the oil was changed regularly then Chrysler might say ‘it must be the brand or type of oil you used then’. If you can prove that you used a leading motor oil, ‘where did you have it changed?’. Chrysler might then tell you they are not going to be able to cover it then because you changed your oil yourself or had it changed somewh ere else. In fact Federal Law (Magnuson-Moss Act) prohibits an automobile manufacturer to void a warranty or deny warranty claim based on using aftermarket tune up or maintenance parts, such as spark plugs or motor oil for example or 3rd party service, unless provided free of charge. There are other consumers who have followed the intervals recommended by Chrysler in their vehicle’s owners manual that state oil changes up to every 7,500 miles are acceptable in normal conditions where they’ve changed their oil every 5,000-6,000 miles only to be told ‘you didn’t change your motor oil enough and your engine failed due to neglect’. In fact, Chrysler even currently recommends oil change intervals of every 6,000 miles for normal conditions in current owners manuals. When vehicles are purchased used from dealers and used car lots where consumers often believe they have no proof of regular oil changes prior to their ownership, Chrysler typically automatically refuses warranty claim s blaming the previous owner. When a consumer has proof or reg ular 3,000 mile oil changes performed by a dealer we’ve heard of Chrysler going as far as to blame the dealer’s lube technician!

To find out more and how to fight this, visit http://www.dodgechryslerengineproblems.com

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2399.shtml