Typically SUV insurance rates cost 15-20% more than car insurance. The main reason for this is the fact that SUV drivers are at a higher risk of filing a claim for an accident. While an SUV is designed to offer the driver and its passengers more safety in an accident, its weight and height make it more prone to a roll over in an impact collision. It can also cause severe distress to a car or a smaller vehicle because of its weight, particularly if its bumper is high while the SUV itself may sustain little or no hurt.
Nevertheless, you can find good rates if you know the following tips:
• Your SUV’s safety features can get you a good discount on your auto insurance premium. Features like electronic stability control (an enhanced antilock brake system), which works by sensing the SUV’s response to the steering wheel. If it detects a disconnect between your steering and the direction of motion of the SUV, it automatically brakes the wheels. Another feature that can keep your SUV insurance rate coarse is side air bags that can prevent injuries if a rollover occurs. Install an anti-theft device in your car – companies consider that this lowers the risk of a theft and you may salvage a break in your comprehensive insurance coverage.
• You premium will also depend on the number of miles you drive your SUV and the location where it is parked. Living and driving in low-traffic zones often qualifies for a reduced SUV insurance rate.
• This is no substitute for a good driving record. Drive safely and avoid accidents and traffic violations. Insurers offer good driver discounts to those with 5 years of clean driving history.
• Affiliation to AAA and certain organizations or banks may get you a reduced group rate.
• Your occupation, if considered low-risk, may qualify you for low-risk occupation insurance.
Filed under Mercury Auto Insurance by on Feb 26th, 2011. Comment. 
In the last two years, America’s housing industry has just been booming. Novel home sales, existing home sales, all of the statistics were on the up tick. The only thing the genuine estate community had to exertion about was how long the ride might last. Section of the reason that the housing market boomed so much was because of all of the novel creative financing options which would allow people who normally would not be able to afford a home be able to afford to. These people are often strapped for cash, and as a result these homeowners don’t buy nearly enough insurance, which will get them in trouble.
A recent study which is going to be released by Marshall & Swift/Boeckh LLC, states that 58% of houses are actually undervalued for insurance purposes, and that the average homeowner has enough insurance to rebuild 80% of their home. This means that the values on insurance policies for homes are less than what the actual home would take to rebuild, so if a disaster were to happen, the family would be in quite a bit of pain.
How is this happening? Part of it is because insurance companies are cutting the types of disasters that they cover. Farmers Insurance is reducing the wind pain cover they have in costal regions and Allstate is cutting earthquake damage in many states. Perhaps the biggest part of the trend comes from the virtual elimination of “replacement cost insurance”, which essentially meant that even if the policy was for less than the amount of money it would take to replace the home, the insurance company would calm pay the full sum of money that it cost rebuild the home. Since these policies proved to be too costly with booming home prices, companies eliminated them largely and instead pay the face value.
So what can you do to make sure you have enough insurance? Look for a policy which has an option to have “Extra value insurance” which will usually pay a fixed percentage higher than the value of your home on the insurance agreement if it is worth that. This might cost you a few extra dollars but will save you tens of thousands of dollars if something should ever happen to your home. Read your policy each and every year to see if something has changed significantly that you need to know about. Finally, make sure you have enough insurance to rebuild your home as it is and replace your personal possessions. You can have a simple appraisal done on your home to get its value, and then add up the amount of your assets to calculate this number.
Filed under Mercury Auto Insurance by on Dec 15th, 2010. Comment.
So there is this auto insurer; Safe Auto; which I came across in my travels along the south eastern United States. Safe Auto has a few claims which I found to be quite remarkable; among them that they are interested in “keeping you legal for less.” But what is this Safe Auto insurance company really all about? Can they really save you money? How? I decided to search around underneath the hood and see what I could discover about Safe Auto.
Safe Auto: Keeping You Legal for Less: What elicited this article and this search for answers about who Safe Auto was and how they did business was their claim of being able to keep the driver “legal for less.” It’s a catchy phrase but what exactly does this mean? Well according to the First-rate Auto website, they are a company which “specializes in providing the minimum insuring requirements for the states in which (they) market (their) insurance.” States where Salubrious Auto is currently eligible to provide coverage include Arizona, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, and Texas. Grand Auto also appears to be growing as they are “licensed but not yet operational in Arkansas, Colorado, and Kansas.” Of course these states are some of the more sparsely populated ones however my wife and I have driven all over this nation of ours and people still drive in all these states; auto insurance is not something drivers have a choice over.
How Does Well-behaved Auto Assign You Money: It was when I did a cursory examination of their online area that I started to feel uneasy about the Valid Auto promises. According to their website, one of the ways Profitable Auto saves you money is that they have a “Phone Pay Program.” This means that “you can start your policy or pay your monthly insurance premium over the telephone with your checking account or with a credit card. This saves you postage… This feature of our service program is highly utilized by our customers and is one of our most favored services.” Really? Pay by phone to achieve on postage is how Safe Auto saves their customers money?
How Does Superior Auto Save You Money II: Safe Auto says elsewhere, that they are a “…direct-to-consumer auto insurance company. While that may sound complicated, it’s really not. It means we don’t rely on a middleman to sell Safe Auto coverage. Instead, we appeal directly to you, our customer, through television, radio and print advertising. And that saves you money.” So because Safe Auto advertises (and doesn’t rely on an agent, like, say State Farm) that’s supposed to save you money?
How Does Safe Auto Save You Money III: Safe Auto also boasts that they “…are one of the few companies out of thousands that offer you 24-Hour a Day, 7-Days a Week service. In addition, we are open on all national holidays. We are here when you need us, and that is necessary to both you as our customer and to us in providing you with only the very best service available.” I’m sorry; it’s not 1974 anymore; most auto insurers that I’ve come across (Progressive, Geico, Liberty Mutual, Travelers…) all have 24 hour operators. And anyway wouldn’t this extra time to staff your phone lines 24/7 actually end up costing the customer more?
How Does Safe Auto Save You Money IV: So Safe Auto is a direct to consumer auto insurer who has 24 hour assistance for their customers and offers a pay-by-phone service so that customers can save on stamps. (…sigh…) Anything else, Safe Auto? Well… “there’s more to the story than the savings that come from dealing direct. Well, actually, there’s less to the story. At Safe Auto Insurance Company, we specialize in minimum coverage. This is good news if you’re on a tight budget. Because with Safe Auto, you’ll be able to meet the legal requirements for a price that won’t break your budget. It’s this philosophy that truly sets us apart…something we call… Keeping you legal for less.” Ah, yes! Keeping you legal for less! It all comes back around in the end to their horrid little catch-phrase!
Safe Auto “Explanation of Coverage” – There’s another thing this website does which makes me batty; Safe Auto uses “quotation marks” around all of their coverage’s which to me bespeaks abhorrent contempt. Please don’t talk down to me when you say things like “Bodily Injury Liability” or “Comprehensive-Collision.” I don’t care if you’re speaking to John Q. Public; if they don’t know what they need for their auto insurance they clear as heck aren’t going to go to a website to find it.
Safe Auto Conclusion: Well I’m sorry, but I don’t need an “auto-insurer” talking to me like I’m “an idiot” and using “quotation marks” to acquire their “point across.” I think I’ll probably need more than the bare minimum to cover my very expensive long-term investment. And I’ll definitely need to work with an auto insurer which operates out of the state I’m living in. Even if I permanently relocated to South Carolina I wouldn’t choose Apt Auto for my coverage; if for no other reason than for the sneering disdain I get from their direct-to-consumer advertising which they are so proud of!
Source:
http://www.safeauto.com/about/
Filed under Mercury Auto Insurance by on Dec 15th, 2010. Comment.
