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  • What – s the Best Way to Back Up My Computer?

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    What s the Best Way to Back Up My Computer?

    Everyone loses data at some point in their lives. Your computer s hard drive could fail tomorrow, ransomware could hold your files hostage, or a software bug could delete your important files. If you re not regularly backing up your computer, you could lose those files forever.

    Backups don t have to be hard or confusing, though. You ve probably heard about countless different backup methods, but which one is right for you? And what files do you really need to back up?

    It s All About Your Personal Data

    Let s start with the obvious: what do you need back up? Well, first and foremost, you need to back up your personal files. You can always reinstall your operating system and redownload your programs if your hard drive fails, but your own personal data is irreplaceable.

    Any personal documents, photos, home videos, and any other data on your computer should be backed up regularly. Those can never be replaced. If you ve spent hours painstakingly ripping audio CDs or video DVDs, you may want to back those files up, too, so you don t have to do all that work over again.

    Your operating system, programs, and other settings can also be backed up. You don t have to back them up, necessarily, but it can make your life easier if your entire hard drive fails. If you re the type of person that likes to play around with system files, edit the registry, and regularly update your hardware, having a full system backup may save you time when things go wrong.

    The Many Ways to Back Up Your Files

    There are many ways to back up your data, from using an external drive to backing up those files on a remote server over the Internet. Here are the strengths and weaknesses of each:

    • Back Up to an External Drive. If you have an external USB hard drive, you can just back up to that drive using your computer s built-in backup features. On Windows 10 and 8, use File History. On Windows 7, use Windows Backup. On Macs, use Time Machine. Occasionally connect the drive to the computer and use the backup tool, or leave it plugged in whenever your home and it ll back up automatically. Pros. backing up is cheap and fast. Cons. If your house gets robbed or catches on fire, your backup can be lost along with your computer, which is very bad.

    • Back Up Over the Internet. If you want to ensure your files stay safe, you can back them up to the internet with a service like CrashPlan. CrashPlan is a well-known online backup service we like and recommend, but there are also competitors like BackBlaze. Carbonite. and MozyHome. For a low monthly fee (about $5 a month), these programs run in the background on your PC or Mac, automatically backing up your files to the service s web storage. If you ever lose those files and need them again, you can restore them. CrashPlan can also back up to another computer for free for example, a friend s computer or another computer you own. Pros. Online backup protects you against any type of data loss hard drive failure, theft, natural disasters, and everything in between. Cons. These services usually cost money (see the next section for more details), and the initial backup can take much longer than it would on an external drive especially if you have a lot of files.

    • Use a Cloud Storage Service. Backup purists will say this isn t technically a backup method, but for most people, it serves a similar enough purpose. Rather than just storing your files on your computer s hard drive, you can store them on a service like Dropbox. Google Drive. Microsoft OneDrive. or a similar cloud storage service. They ll then automatically sync to your online account and to your other PCs. If your hard drive dies, you ll still have the copies of the files stored online and on your other computers. Pros. This method is easy, fast, and in many cases, free, and since it s online, it protects you against all types of data loss. Cons. Most cloud services only offer a few gigabytes of space for free, so this only works if you have a small number of files you want to back up.

    While backup programs like CrashPlan and cloud storage services like Dropbox are both online backups, they work in fundamentally different ways. Dropbox is designed to sync your files between PCs, while CrashPlan and similar services are designed to backup large amounts of files. CrashPlan will keep multiple copies of different versions of your files, so you can restore the file exactly as it was from many points in its history. And, while services like Dropbox are free for small amounts of space, CrashPlan s low price is for as big a backup as you want. Depending on how much data you have, one could be cheaper than the other.

    CrashPlan s client can also backup to an external drive, so it ll give you backups on your own hard drive and backups on CrashPlan s servers.

    One Backup Isn t Enough: Use Multiple Methods

    So which should you use? Ideally, you d use at least two of them. Why? Because you want both offsite and onsite backups.

    Onsite literally means backups stored at the same physical location as you. So, if you back up to an external hard drive and store that at home with your home PC, that s an onsite backup.

    Offsite backups are stored at a different location. So, if you back up to an online server, like CrashPlan or Dropbox, that s an offsite backup.

    Onsite backups are faster and easier, and should be your first line of defense against data loss. If you lose files, you can quickly restore them from an external drive. But you shouldn t rely on onsite backups alone. If your home burns down or all the hardware in it is stolen by thieves, you d lose all your files.

    Offsite backups don t have to be a server on the Internet, either, and you don t have to pay a monthly subscription for one. You could back up your files to a hard drive and store it at your office, at a friend s house, or in a bank vault, for example. It d be a bit more inconvenient, but that s technically an offsite backup.

    In addition, CrashPlan can back up to a friend s computer for free. So, maybe you could make a deal with a buddy, that you ll each back up to each other s computers over the internet you don t have to pay a monthly fee, and you both get offsite backups out of the deal. (And because the backups are encrypted, your friend can t access your data he s just storing it for you.)

    Similarly, you could also store your files in Dropbox, Google Drive, or OneDrive and performing regular backups to an external drive. Or you could use CrashPlan to back up to both an external drive and their online service, getting both your onsite and offsite backups from the same program. There are a lot of ways to use these services in tandem, and it s up to you how to do it. Just make sure you have a solid backup strategy, with onsite and offsite backups, so you have a wide safety net against ever losing your files.

    Automate It!

    All that may sound complicated, but the more you automate your backup system, the more frequently you ll be able to back up and the greater the odds you ll stick with it. That s why you should use an automated tool instead of copying files to an external drive by hand. You can just set it up once, and forget it.

    That s one reason we really like online services like CrashPlan. If it s backing up to the internet, it can automatically do that every single day. If you have to plug in an external drive, you have to put in more effort, which means you ll back up less often and you may eventually stop doing it. Keeping everything automatic is well worth the price.

    Ultimately, you just need to think about where your files are and ensure you have multiple copies at all times. Ideally, those copies should be in more than one physical location. As long as you re actually thinking about what you ll do if your computer dies, you should be way ahead of most people.


    Find the best Family lawyer near you

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    Find a Family lawyer

    What a Family lawyer can do for you

    Whether you are wanting a divorce, dissolving a civil union, or seeking benefits in a domestic partnership, choose a lawyer who is an expert in family law. A family law attorney can act as a mediator, fighting for custody of your children, getting you back-owed child support, and negotiating for you on cases of alimony. Select your state or city to find an attorney near you.

    What does a family law attorney do?

    Family law attorneys deal with issues related to family life and domestic relationships, including spousal relationships and parent-child relationships.

    Marriage and divorce

    Marriage and divorce come with a host of potential issues. The following are some of the most common issues to arise between spouses:

    • Prenuptial agreements : If you or your future spouse owns real estate, has significant income, or owns a business, drafting a prenuptial agreement can be beneficial. Although couples can put together the framework of an agreement on their own, they typically need separate lawyers to finalize a prenuptial agreement in court.
    • Annulment : An annulment legally dissolves a marriage by treating the arrangement as though it never existed. Annulment isn’t possible in all cases, but a couple can pursue one in the case of misrepresentation, incest, bigamy, underage, or force. Annulments typically take place a short time into the marriage, and a state government or a church can grant an annulment.
    • Divorce : A divorce dissolves a marriage in one of 2 ways. All states allow for no-fault divorces, in which one spouse files for divorce by stating a general reason, such as the inability to get along in the relationship. Most states also allow for fault divorces, in which one spouse faults the other for desertion, adultery, cruelty, or another established reason.
    • Alimony : Also known as spousal support, alimony refers to the payments that one spouse provides for another after a divorce is finalized. Not all divorces include alimony, but this situation is common when one spouse earns a higher salary than the other.

    Child support and child custody

    When spouses divorce, questions of child custody and child support arise. Common family law issues include:

    • Child custody : One or both parents may be granted physical custody to determine whether the children will live with one or both parents and whether one parent will have visitation rights. One or both parents will also have legal custody, or the ability to make major decisions about the children’s health care, education, and religion.
    • Child support . By law, noncustodial parents must contribute a monthly amount to help provide for the children’s expenses. A family court will determine the payment amount.
    • Paternity : A paternity test determines the identity of a child’s father and can factor into child custody and child support cases.

    Adoption

    Depending on the type of adoption you choose, you may need to contact extensive legal help. The following are the most common types of adoption:

    • Agency adoptions. These include arrangements between the adoptive parents and an agency, which can be either public or private.
    • Private adoptions. These include straightforward arrangements between the birth mother and the adoptive parents.
    • Identified adoptions. These include adoptions in which the birth mother and the adoptive parents become acquainted independently and seek the help of an adoption agency to finalize the process.
    • International adoptions. These include adoptions in which the parents bring a child from another country into the family. This process includes securing an immigrant visa.

    Domestic violence

    It’s important to consult with a family law attorney as soon as possible in the middle of a domestic abuse situation. In addition to the police, an attorney can help you get full custody or file an order of protection to keep your family safe.

    How are family law attorneys paid?

    Family law professionals offer a number of payment arrangements to suit the financial needs of their clients. Common fee structures include:

    • An hourly rate. You pay for every hour your lawyer works on your case. This is the most common arrangement but it can vary by practice area.
    • A flat fee. You pay a fixed payment amount. This is usually only offered if a case is very simple, such as an uncontested divorce .

    In addition, you may need to pay the following fees:

    • Retainer fees. This is an upfront cost to secure the lawyer’s services. The cost of services is usually deducted from the retainer.
    • Consultation fees. Payable for the first meeting, whether you hire the lawyer or not. Many lawyers offer free consultations, so check this prior to booking an appointment.
    • Contingency fees. Payable if your case is won. These are not typically applied to family law cases, but they may be in rare circumstances.

    Your legal fees will depend on the following:

    • Your lawyer’s reputation, experience, and abilities.
    • The amount of time your lawyer spends on your case.
    • Your case’s complexity.
    • The costs involved in your case, including your lawyer’s overheads.
    • The results of your case.

    Top 5 questions to ask a family law attorney

    You should always have an initial consultation before hiring a family lawyer. Prepare a list of questions to ask your potential family law attorney when you meet them for the first time. Their answers can help you decide if you would like to continue working with them.

    • How long have you practiced family law?
    • How regularly do you deal with many cases like mine?
    • Will you be handling my case, or will I be dealing with someone else in your office?
    • What are your payment options?
    • What special expertise can you bring to my case?

    Qualities to look for in a family law attorney

    As your potential family law attorney is answering your questions, you should assess their answers and behavior to decide whether they are the best lawyer for you. The following qualities may indicate that this attorney is a good match:

    • Has experience dealing with cases similar to yours.
    • Listens to the answers to your questions and attends to your needs.
    • Puts you at ease and makes you feel comfortable expressing yourself.
    • Has a practical and logical plan for your case.

    Interviewing multiple lawyers will help you find the best match for your unique case. To get started, search for experienced family lawyers near your city in our lawyer directory .

    Practice areas related to Family

    Did you know?

    Only 41.2% of custodial parents receive the total amount of child support they are owed from ex-spouses. A family law attorney can get you the back payments you are owed.

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    NDSU Computer Science (NDSU), best computer science degree.

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    North Dakota State University Best computer science degree

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    News from the Department

    New Computer Science Undergraduates Arrive in Record-Breaking Numbers

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    Department chair Dr. Kendall E. Nygard welcomed the new computer science first year students on August 21st. This year’s group of new computer science undergraduates is over 30% larger than last fall’s record-breaking group. Nygard and Asst. Professor Jeremy Straub gave the new students a tour of the department after Nygard’s welcome remarks.

    Computer Science Faculty Get $988,114 Grant to Study American Indian Diabetes Self-Management

    Computer Science Assoc. Prof. Juan Li is the principal investigator for a newly announced grant from the National Science Foundation to study self-management of diabetes in Native Americans, along with co-investigator and Computer Science Assoc. Prof. Jun Kong. Siobhan Wescott, an NDSU Asst. Prof. of Practice in Public Health, and Donald Warne, a Professor and Chair of the Public Health Department, are also co-investigators on the grant.

    The epidemic of diabetes in American Indian communities is a serious public health challenge. The goal of the project is to develop an integrated, accessible, cost-effective solution for improved diabetes self-management and social networking for American Indian patients. Considering the quasi-ubiquitous use of cell phones in most American Indian communities, a cell phone-based platform is proposed to provide smart and personalized service.

    The project benefits from the combined experience of the investigators in multiple related areas. Dr. Li’s expertise lies in eHealth, knowledge management, social networking, and semantic web technologies. She has published in the field of disease prediction, smart eHealth mobile application, eHealth cloud, eHealth security, and healthcare social networking. Dr. Kong’s expertise lies in Human computer interaction, especially context-aware mobile interaction. Dr. Warne’s expertise lies in family medicine, public health, American Indian Health and disparities research. Dr. Wescott’s expertise lies in Native American health education and American Indian health. Especially, being American Indian, both Dr. Warne and Dr. Wescott have extensive experience providing diabetes education for American Indians.

    This project will provide valuable research opportunities for both graduate and undergraduate students, especially from underrepresented populations.

    Project Receives Nationwide Media Attention

    Work at NDSU with the NASA Jet Propulsion Laboratory to enhance 3D Printing technologies has gotten national attention via an Associated Press article. Coverage Includes US News World Report, The Charlotte Observer, The Huston Chronicle, The San Francisco Chronicle and over 50 other newspapers. The project includes multiple Computer Science students and is advised by Computer Science Asst. Prof. Jeremy Straub.

    NDSU team wins technical prize at international drone competition

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    A team of North Dakota State University students competed, for the first time in the university’s and state’s history, in the International Aerial Robotics Competition in Atlanta, Georgia, and won an award recognizing their technical design. The IARC is the world’s oldest aerial robotics competition for colleges and universities. NDSU’s team was recognized for excellence in the design of the air vehicle, payload, operations and risk reduction.

    The team was the sole recipient of the Best Technical Paper award at the competition. This award recognizes the overall technical solution developed by the team as well as its presentation in the paper. The paper was presented by NDSU Computer Science freshman Abdullah Almosalami at the competition; Asst. Prof. Jeremy Straub was the team’s faculty advisor. The team plans to continue working on its aerial vehicle to prepare to compete again at next year’s competition.

    Department of Computer Science, NDSU Dept #2740, PO Box 6050, Fargo, ND 58108-6050

    Quentin Burdick Building Room 258, 1320 Albrecht Boulevard, Fargo, ND 58102

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    “Do you know our Computer Science Dept has a LinkedIn group?

    Join us by logging in to LinkedIn and typing ‘NDSU Computer Science’ in the Search Box.

    We look forward to adding you as a member.”


    Top 10 Cheapest Vehicles to Insure for Teens » News, best insurance rates for young drivers.

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    Top 10 Cheapest Vehicles to Insure for Teens

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    Best insurance rates for young drivers

    10. 2009 Ford Fusion: $2,890

    Insurance isn t kind to teenage drivers. Rates are usually double the price of experienced drivers. Luckily CarInsure.com has provided a list of the top 10 best vehicles to insure for teenagers.

    The rates are calculated based on a Washington family: a married couple driving a 2011 Honda Accord and a 2009 Chevrolet Traverse, with a clean driving record and good credit. Their teenage driver is a 16-year-old male, also with a clean driving record. This list covers a five-year insurance impact. The vehicles on this list are from 2008, or 2009.

    Tenth on the list is the 2009 Ford Fusion, equipped with ESC. This car gains its price thanks to a perfect NHTSA front impact score and the highest score possible for frontal-offset and side impact tests from the Insurance Institute for Highway Safety. The key to this model though is the optional electronic stability control.

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    Cheap car insurance quotes for young drivers

    By Peter Carr on Friday 13 October 2017

    Best insurance rates for young drivers

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    What are the cheapest cars to insure for young drivers?

    Here are some of the cheapest cars to insure for drivers under 25:

    Car manufacturer and make

    Average annual premium

    Data collated between Jan 2017 and Jun 2017, from cars in insurance groups 1-3, and manufactured from 2006 onwards. Based on car insurance quotes run on MoneySuperMarket.

    As the data shows, your dream car might not be the best option if your priority is saving money on your car insurance. It pays to do your research, and opt for a model which could be cheaper to insure.

    As a younger driver, you’ve probably got a few car models in mind already. Our car insurance comparison service lets you research different types of car to get an idea of what cover you could get, and at what cost.

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    Types of car insurance

    Third party car insurance is the minimum level of insurance required by law, followed by third party fire and theft (TPF T), which offers you more protection for your vehicle, and finally fully comprehensive car insurance, which is the most extensive level of cover.

    It’s important to compare all levels of cover because fully comprehensive is not always the most expensive option, contrary to what you might expect. This is because third party and TPF T have become the reflex choice of risky drivers looking to save money, which has prompted insurance companies to raise the price of these policies.

    In fact, an average third party only will set you back around £500 more than a fully comprehensive policy, if you are a young driver.

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    Consider the ‘telematics’ option

    Whether you call it ‘black box’ or ‘telematics’ car insurance, this satellite technology offers an effective way to lower the cost of car insurance for young drivers.

    It works by using a small transmitter in your car to relay information on your driving style and driving patterns back to your insurer so they can base the price of your premium on how you actually drive and less on how people in your age group drive.

    In some instances, the information is relayed via an app you download to your phone.

    This approach is viewed as a fairer way of pricing policies and has seen many young drivers have their premiums significantly reduced.

    Best insurance rates for young drivers

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    Cutting car insurance costs

    The good news, is that there are a number of ways for younger drivers to cut the cost of car insurance

    1. Run a price comparison quote.

    By using our comparison tool you can instantly compare car insurance to find the best cover to suit your motoring and financial requirements.

    2. Improve your driving skills.

    Some insurers will reduce your premium if you have completed Pass Plus.

    3. Add a named driver.

    But remember it’s crucial that the person who does the most driving in that car is listed as the ‘main driver’.

    4. Pay upfront.

    Paying monthly can cost more due to the interest charged on instalments.

    5. Pay a voluntary excess.

    Keep in mind that, after a certain level of excess, the cost of cover doesn’t change, and you must be sure that you can afford the level of excess that you have set for yourself.

    Did you find this helpful? Why not share this article?


    10 Best Travel Insurance of 2018, best medical insurance uk. #Best #medical #insurance #uk


    Best Travel Insurance 2018

    Get the latest on the best travel insurance providers. Reviews and comparisons of the top travel insurance companies in the country.

    At ConsumersAdvocate.org, we take transparency seriously.

    To that end, you should know that many advertisers pay us a referral fee if you purchase products after clicking links or calling phone numbers on our website.

    The following companies are our partners in Travel Insurance: Allianz , Travel Guard Insurance , Tokio Marine , RoamRight , World Nomads , Berkshire Hathaway , MedjetAssist , Travelex , TravelInsurance.com , First Allied Limited , Aardvark Compare , and Seven Corners .

    We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

    For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.

    If you choose to click on the links on our site, we may receive compensation. If you don’t click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.

    The analyses and opinions on our site are our own and our editors and staff writers are instructured to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

    To find out more about how we make money and our editorial process, click here.

    What is Travel Insurance?

    By and large, travel insurance plans are made up of three key components, trip cancellation/interruption, emergency medical, and baggage.

    • Trip cancellation coverage will usually refund the entire non-refundable purchase price of your trip if it gets canceled or interrupted for covered reasons that vary by provider. Injury or illness prior to the trip is, in fact, the most common trip cancellation claim. As long as you purchased the policy prior to the injury or illness, and have documentation from a doctor that the person in question cannot travel, your travel insurance policy will compensate you for all the non-refundable costs of your trip. So if you spent $10,000 on your family s summer vacation and you cannot go because your daughter is ill, this is the type of travel insurance coverage that will reimburse you.
    • Medical coverage pays for emergency care if you get hurt or ill while traveling. Different companies offer different maximum amounts that vary by plan. This coverage typically also includes emergency medical evacuation, which pays to transport you to a proper facility if there is not one available in your vicinity. Dental coverage is also included in some plans.
    • Baggage coverage will reimburse you for your belongings if your luggage is lost, stolen, or damaged; it also will sometimes pay for purchasing necessities if baggage is delayed.
    • Comprehensive plans combine all three.

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    Car Insurance

    Traffic accident scenarios are common, from fender-benders to highway crashes. In fact, according to the Census Bureau, over 10 million accidents occur on U.S. streets each year. The key is to be prepared so that the costs involved in recovering from an accident are not devastating to your finances.

    Trusted Choice ® member insurance agents handle the concerns of drivers every day, answering questions like “How much car insurance do I need?” and “How do I choose my auto insurance deductible?” You can find an agent or get a quick insurance quote right now by entering your ZIP code.

    The Cost of Car Accidents in the U.S.

    • Automobile traffic accidents cost $299.5 billion annually in the U.S.
    • Crashes cost $61,600 on average
    • A critically injured person can accumulate $1 million in medical expenses

    Legal defense alone can cause devastating financial hardship, even if it turns out you are not found to be at fault. For this reason, it is important to think carefully about the coverage you may need in the event of an accident. If you buy car insurance online without professional advice, you may not be fully covered.

    How to Find Fast, Accurate Insurance Quotes

    When you’re on the hunt for accurate insurance quotes, it’s also important to look for coverage that makes sense for your concerns and budget. An independent agent in the Trusted Choice network can help you get fast quotes that are tailored to your real life needs. Moreover, you can get answers to your questions about how much insurance is best for you, how to get discounts and how to keep your costs low.

    Independent insurance agents offer several important benefits:

    1. Your local agent not only understands the factors that make up a quality car insurance policy, but knows the requirements in your state.
    2. Independent agencies partner with multiple carriers to find the best personal auto insurance coverage for you at affordable rates.
    3. Your agent will help you find car insurance tailored to your needs, not to a mathematical formula describing what the average driver should have.

    Review Options from Multiple Auto Insurance Companies

    When you work with an independent agent, you are not stuck with one insurance company and the solutions that company provides. Instead, you will have a range of choices from top insurance companies.

    Your independent agent will assess your needs based on factors such as the number of drivers in your family and their ages. Your agent will also look at bundling multiple vehicles together, or combining your home and auto policies under one insurance company, so that you can get the best value for your dollar.

    Your agent can help you review several policy choices, coverage limits, deductibles and pricing and choose the best fit for you.

    Is Auto Insurance Coverage Required?

    Drivers in every state are required to have auto liability insurance, such as personal injury protection (PIP).

    Car insurance liability requirements vary by state, and include a minimum amount for bodily injury costs per person and per accident as well as a minimum for property damage liability. If you cause an accident, liability coverage pays those costs, up to the limits set for your policy.

    In addition to required liability coverage, you may also want collision coverage to protect your investment in your vehicle. And depending upon your specific needs and risks, you may also want comprehensive coverage – now known as other than collision. Together, collision and comprehensive can provide protection for everything from accidents to theft and vandalism.

    What Does Car Insurance Cover?

    There are three primary types of insurance coverage:

    • Liability insurance: Covers the costs associated with injuries and property damage you are responsible for if you cause an accident.
    • Collision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
    • Comprehensive: Formally known as other than collision, this portion of your policy covers damage to your vehicle from causes such as auto theft and weather damage.

    There are also several different types of coverage which may be available to you, including:

    • Medical payments: Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.
    • Personal injury protection (PIP): Similar to medical payments coverage, PIP coverage can pay your medical costs after an accident, regardless of fault. But PIP offers expanded coverage that includes coverage for lost wages.
    • Rental reimbursement: Pays a certain amount daily for a replacement vehicle if yours is in the shop for repairs.
    • Towing and roadside service: Provides emergency roadside assistance and towing to help you get your vehicle back on the road or to a shop for repair.

    As you consider your policy needs, it is important to keep the coverage limits in mind. The costs of a severe crash can quickly exceed the limits. If that occurs, you will have to pay for costs out of your own pocket.

    The Risks of Buying Auto Insurance Online

    Shopping for insurance online may be a great way to get information and rough quotes, but there are drawbacks to actually buying your auto coverage that way. One of the drawbacks with buying car insurance online is that it may not match your needs. Many people go looking for instant online insurance, only to find that it is difficult to know whether it offers the right amount and type of protection. Buying a no-frills basic car insurance policy may meet state requirements, but may not provide the compensation you need to recover from an accident.

    It is important to discuss your risks and coverage options with a qualified insurance agent who can help ensure that you don’t have coverage gaps. An independent agent can help you learn everything you need to know to make an informed decision about your car insurance.

    Compare Quotes Online or Find a Local Agent

    You can get started getting the car insurance you need right now by getting quotes or by finding a local independent agent in the Trusted Choice network who will work with you to find a plan that meets your family’s needs and budget.

    Independent agents are able to compare insurance plans from multiple insurance providers so you can find the best policy for you. When you need to compare options and quotes, a member agent in the Trusted Choice network is your one-stop shop.

    Your agent will not only take time to understand your needs and help you compare quotes, but will help find discounts so you can get better value from your policy. And your agent will continue to be accessible to you with one local phone call when you have questions or concerns, or need to file a claim.

    There are over 27,000 Trusted Choice member agency locations nationwide. To find a local agency, enter your ZIP code.


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    Top 10 Life Insurance Companies

    Are you looking for the Top 10 Life Insurance Companies in the U.S.A.?

    Each year the Insurance Information Institute (III) issues a list of the leading life insurance carriers for the previous year to help consumers choose the right life insurance company from the hundreds of life insurers who do business in the U.S.A.

    The list of the best life insurance carriers (shown below) includes their financial strength ratings issued by AM Best Company, an independent rating service. The financial ratings are an indication of the insurer’s financial stability, security and ability to pay their claims.

    Top 10 Life Insurance Companies

    1. Northwestern Mutual – rated A++, Superior
    2. MetLife – rated A+, Superior
    3. New York Life Insurance Group – rated A++, Superior

    Source – III.org – (Insurance Information Institute)

    Life Insurance Quotes

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    Auto Insurance

    More in Auto Insurance

    • Four Steps to Switching Car Insurance – 11/03/2014
    • Young Drivers, Marijuana and Car Insurance – 07/18/2014
    • How To Cut Teen Insurance Rates – 06/04/2014
    • How To Shop for Use-Based Car Insurance – 02/26/2014
    • Car Insurance Companies Use Facebook for Claims Investigations – 09/04/2013

    New Car Buying Guides

    See which cars and trucks our editors recommend

    More in Auto Insurance

    When you really need it, you will be glad you took the time to purchase good car insurance. The purpose of the articles in this section is to prepare drivers with the right auto insurance policy before it is too late. Then, if trouble strikes, you and your family and your family’s finances will be protected.

    Everyone knows that car insurance can be expensive. However, in the Internet era, getting an online car insurance quote is fast and easy. With the resources and information we present here, it is easier than ever to compare auto insurance quotes. We will also tell you what differences exist between one auto insurance company and another. Basic coverage is described and comparative shopping strategies are clearly outlined. What about teenage drivers? We take a special look at shopping for car insurance for them. What if you have auto insurance but can’t keep up with the expensive premiums? We might be able to show you how to continue getting the coverage you need while reducing your payments. And, finally, what about the mysterious type of insurance called “gap insurance”? This is a form of auto insurance that usually applies to leased cars. In some cases, however, a car buyer might also need gap insurance. We’ll tell you when and how much to buy.

    If you are on the fast track, and need car insurance now, we’ve boiled down all our information into the easy-to-read “10 Steps to Buying Auto Insurance.” This series of short articles is followed by a checklist that will ensure that you won’t overlook any important details as you get the best coverage available.



    Best Auto Insurance – Car Insurance Reviews and Comparisons, best rated auto insurance companies.

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    The Best Auto Insurance Companies

    Quick Picks

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    The top performers in our review are Geico, the Gold Award winner; Nationwide, the Silver Award winner; and Travelers, the Bronze Award winner. Here s more on choosing auto insurance to meet your needs, along with detail on how we arrived at our ranking of 12 companies.

    Finding good, affordable auto insurance requires some searching, but it’s worth the effort. By law, anyone who drives needs to have the minimal level of state required insurance, and those who have a vehicle loan are required to carry more than minimal coverage. If you are involved in a serious accident, you’ll be glad to have as much coverage as possible to handle medical bills and car damage. Generally, the more coverage you have, the higher your premiums will be, although this is not always the case. That’s why it pays to compare quotes.

    We compared the 12 largest auto insurance companies that provide coverage for individuals in most areas of the U.S. Even though USAA is one of the largest companies, it was excluded since its plans are only available to those with military connections. AARP was also excluded because its plans are provided by The Hartford Financial Services Group, which we have reviewed separately.

    While comparing insurance companies keep in mind that premium rates vary greatly based on numerous factors, and some services might not be available in your area. In addition, while it is rather straightforward to find upfront information about insurance companies, it’s difficult to discover details about how well claims are processed and paid.

    What Affects Car Insurance Rates?

    Insurance rates are carefully calculated based on numerous factors. Personal factors include age, location, average miles driven, gender, marital status, education and driving record. Financial factors include the replacement cost of the car, repair costs, claim history, insurance history and credit score.

    To give you an idea of what a low-risk insured person might look like compared to a high-risk person, see these two extremes:

    Low-Risk: A 40-year-old married female who is college educated and lives in a low-incident area. She also has a better than average credit rating, a good driving record, steady previous insurance and no claims in over five years. The car has low repair costs and is not tied to a bank loan. She might only be required to pay $60 to $90 per month for insurance.

    High-Risk: A 23-year-old unmarried male without a college education who lives in a high-incident area. He would have spotty or bad credit, a DUI or other major moving vehicle violation, has been without insurance in the past and has recently submitted claims. The car is expensive to fix and a there is a loan on the vehicle. This person’s premium may be over $300 per month. In this case, some insurance companies may even deny coverage.

    As you can see, numerous factors contribute to your premium. In addition, there are no protections in respect to gender, education, location or credit discrimination. Insurance companies are allowed, to the best of their ability, to calculate the risk of insuring individuals. If you are in the high-risk category, you might have to take a higher rate until you can build up a better history and or perhaps trade to a lower-priced, paid-off car. To learn more about the basics of auto insurance see our articles about auto insurance.

    If you are in the low-risk category, you may save some money by bundling your auto insurance with other plans such as homeowners or umbrella insurance. Some insurance companies also offer discounts to those who pay premiums in advance or by automatic payment. Discounts aren’t always listed on the company’s website, so you’ll want to ask about discounts before you enter a new contract so you can get the best possible rate.

    Obtaining Auto Insurance Quotes

    First and foremost, get more than one quote. We recommend that you obtain three quotes from three different insurance agencies. In our research, we learned that in most cases you can obtain ballpark quotes with just your basic information. However, eventually you will have to submit your social security number, VIN and other personal information to actually obtain the insurance coverage. Most will check your credit reports and driving status as well before they will provide coverage.

    You can obtain a quote by visiting the insurance company’s website. On the website, you can enter your zip code or state information and obtain a quote in only a few minutes. You’ll need to enter your basic information such as name, address and car make. You will also be asked about your driving history, credit and average driving distances. The company will most likely mention a few discounts, but you should also ask about additional discounts before you sign up.

    Possible discounts you might be eligible for include: good driver, good student, senior, hybrid vehicle, safety features, security features, multiple auto, defensive driving course discounts, farm vehicle, automatic payments, pay in advance, teen discounts and more. We noticed that Allstate specifically seems to offer a wide range of discount options. Many also offer discounts to military personnel or government employees, so it is worth asking about if you are associated with these organizations.

    You should also consider supplemental add-ons such as:

    Uninsured Motorist: Most people should consider this add-on. It helps cover medical or repair expenses when the other driver is at fault and has no insurance.

    Roadside Assistance: These plans often include towing and tire changing.

    Rental Car Coverage: Covers car rental expenses during the time your car is being repaired.

    Gap Coverage: If your car is totaled, gap insurance will help pay the difference between the payout and what you still owe on your car loan.

    Pet Insurance: This plan helps cover veterinarian expenses that may occur if your pets are injured in a car accident involving the covered vehicle.

    Umbrella Policies: These cover a wide range of liability situations that other insurance policies may not cover completely.

    Medical Payments Coverage: Helps pay medical costs related to an accident.

    Sound System Insurance: This will cover the cost of replacing stolen or damaged audio or video equipment.

    How We Compared Auto Insurance Companies

    Because auto insurance premiums differ from person to person, no single company is best for every person. We tried to find out which company offers the best rates to the most people, and which ones have the best consumer experience reputation. We researched industry news, consumer reviews, financial reviews, third-party reviews and more. We also conducted our own research.

    For the quote comparison, we obtained quotes for five of the most commonly purchased cars in the U.S. for rather average customer profiles in numerous zip codes. Some quotes were obtained online and others by telephone. We averaged the quote price per vehicle and compared quote rates against their competitors. With this information, we were able to determine whether you might expect to receive a lower than average, average or higher than average quote price from the insurance company. Of course, your quote experience will vary from our test model, but our scores can help you decide which companies you may want to obtain a quote from.

    We obtained consumer satisfaction scores by quantifying numerous industry ratings alongside our own experience with the companies. We were somewhat surprised to discover that the 12 insurance agencies scored pretty close together. Most consumers seem happy with their insurance company until they need to file a claim and things don’t go the way they wanted. And since most drivers are only involved in a few accidents in their lifetime, they usually do not have to go through the claim processing experience often, so satisfaction scores are generally high. The company that rated the highest was State Farm, with Geico and AAA only a few points below it.

    Our Verdict and Recommendation

    Once you find the insurance companies that look like they might satisfy your needs, we recommend that you obtain three quotes. Low-risk drivers can likely obtain low-cost auto insurance from Geico. Seniors may benefit from using their AARP membership to receive discounts from the Hartford Financial Services Group. Those who can qualify for accident-forgiveness can benefit from a three-year accident forgiveness policy from Farmers. Make sure to answer the questions as accurately as possible when submitting your quote information. Incorrect information could be cause for non-payment later, so accuracy is critical.

    Once you obtain your quotes, it is helpful to call up the insurance company and ask about additional discounts. As tedious and confusing as it may seem, carefully look through the fine print of your policy information. It might even be helpful to consult with an insurance specialist to explain industry terms you don’t understand. Careful shopping can help you obtain the best rate for the type of coverage you want.



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    Members have the freedom to choose any dental provider of their choice, plus get additional cost-savings with network participation. And members have access to our vast network of 155,000 dentists. The plans also include the BEST Life special dental accident benefit. This provides $1,000 per accident to sound and natural teeth and is not counted toward the calendar year maximum. Click here for plans detail.

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    The indemnity plan that does not rely on a network. Members receive the same benefit levels both in and out-of-network, but members receive additional savings on out-of-pocket when they see one of 155,000 dentists within the network. Members also receive the BEST Life special dental accident benefit. That means if something happens to sound and natural teeth, they will get $1,000 per accident that is not counted toward the calendar year maximum. Click here for plans detail.

    MAC available in AZ, CA, NV and TX.

    Members have the freedom to choose any dental provider of their choice, plus get additional cost-savings with network participation. And members have access to our vast network of 155,000 dentists. The plans also include the BEST Life special dental accident benefit. This provides $1,000 per accident to sound and natural teeth and is not counted toward the calendar year maximum. Click here for plans detail.

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    Best Insurance Companies 2017: Customers rate today’s top carriers

    Jennifer Shelton – Last updated: Nov. 9, 2016

    It s easy to feel like you got your money s worth from a delicious meal or a much-anticipated vacation, but what about when it comes something you don t necessarily want but need like which are the best insurance companies?

    Fortunately for you, there are people like us who earn that money by combing through information about insurance companies (and actually really enjoy doing it).

    Each year, Insure.com s Best Insurance Companies Survey reveals the 20 best auto insurance companies and the 15 best insurers for health, home and life insurance.

    So instead of worrying that you re not getting the best that our hard-earned money can buy, you can enjoy that sweet satisfaction that comes with being a savvy consumer.

    Auto, health and home insurers were ranked based on the ratings from surveyed policyholders in the categories of customer service, claims service, value for price, plan to renew, and would recommend. These five weighted categories reflected the priorities customers ranked the highest when considering insurance needs.

    Our survey is a great tool in helping alleviate the anxiety of wondering if there s something better out there that you re missing, says Jennifer Shelton, managing editor of Insure.com. You might ask five or six family members for recommendations or spend hours online or on the phone. We ve asked more than 3,700 people, and in one glance, you can make the best determination for your needs.

    Best auto insurance companies

    Companies rate factors different, so variables — such as road construction, crime rates and accident frequency in your city, which change from year to year — can make a difference in the way a company would quote a policy. One company might rate the area in which you live more favorably than another, so it s always worth comparing quotes at least every couple of years so you can take advantage of best rates available.

    For 2017, USAA reclaimed the top spot for auto insurance. The insurer has established reputation for treating its insurance members very well, but maybe that s because not just any John or Jane Doe can sign up. USAA requires military affiliation in order to have an account.

    Auto Club of Southern California took second place this year, and while it is a state-specific insurer, the AAA affiliate insures more than six million members. Rounding out the top three is another AAA insurer: CSAA Insurance Group. Don t be fooled by the name; CSAA doesn t just service the state of California. The insurer writes coverage in 23 states plus the District of Columbia.

    It shouldn t discourage you that the top three companies are affiliated with organizations. First off, USAA has a number of ways to show military association. And while the Auto Club of Southern California does require a AAA membership, CSAA does not, so anyone can purchase an insurance policy. However, you could also become a member of AAA and reap the additional benefits that come with that, such as road service.

    Residents of the Golden State aren t short of choices, but going with an insurer who is completely focused and familiar with one of the most densely populated areas of the country seems to be a good choice.

    Best health insurance companies

    Health care in the U.S. can be an overwhelming field to navigate, so finding a company with which you can feel satisfied and cared for is like winning the Olympic Gold Medal at Adulting. Whether you have insurance through your employer, the Marketplace, or an individual policy, familiarizing yourself with the players in the game and their plan offerings and can help you make better choices come open enrollment.

    Blue Cross Blue Shield affiliates appeared to have done a good job keeping consumer happy this year. Florida Blue and Blue Cross Blue Shield of Michigan took the number one and number two spots, both earning 4.75 stars for customer service — the highest in the health survey.

    A New York-based provider, EmblemHealth, received the third spot on our health insurance survey.

    Between these three state-specific health insurers, they service over 12 million members of the 289 million Americans with some form of health insurance.

    Best home insurance companies

    Car insurance commercials constantly urge you to switch and chances are — unless you are an undiscovered superhero you re using your health care benefits a couple of times a year. But homeowners insurance is often not thought of much past the requirement to have it with your mortgage loan or in the unfortunate event of a home disaster. Your home insurance protects what is likely your most valuable asset. Understand your needs or your current policy, then compare the options carefully, and rest a little easier.

    After earning the top spot in the auto category, USAA earned its second first-place finish this year with an overall score of 97.5, the highest score of the entire survey.

    The distance between first and second place was the widest in the home category with a seven-point difference. Chubb has a reputation as the go-to company for high-end insurance needs, and it s high and consistent scores would indicate its clients are pleased with the result. Currently, the runner-up writes coverage in 31 states.

    Allstate came in just a sliver behind Chubb with an overall score of 90.3, despite the nationwide insurer earning a perfect five in claims processing,

    Best life insurance companies

    Due to the unique nature of life insurance products, claims processing and likelihood of renewal are omitted from the scoring. The categories of customer service, value for price, and would recommend are the weighted factors measured in ranking the best life insurance companies.

    In the only category where national and non-state or member companies reigned supreme, Voya Financial, formerly ING, came out on top this year in the life insurance category with a stellar overall score of 97.1 and a perfect five stars in customer service. The multi-line insurer, State Farm, came in second, and John Hancock Life Insurance finishes the top three.

    Smaller companies may be keeping customers more satisfied

    The overall trend observed is that smaller, leaner companies specializing in their particular line or region seems to be more successful at keeping their customers happier than those that are large enough to spread to every type of coverage and financial product. That said, there were a couple of successful Goliaths.

    Penny Gusner, consumer analyst for Insure.com notes, It s remarkable that State Farm and Allstate are able to maintain such high marks in customer service. It s not uncommon to see companies as large and with such diverse products lose the ability to keep customer service at the heart of the company values.

    Insure.com commissioned Op4G to survey more than 3,700 insurance customers nationwide in June 2016. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of the home, health and life categories. Only current customers of the insurers on our lists were surveyed, and the survey was not open to the general public on the Insure.com website.

    Auto, home and health insurers were ranked according to a weighted 5-point measurement of the following factors: customer service, claims processing, value for price, would recommend and would renew. Life insurers were rated on a weighted 5-point measurement on customer service, value for price, and would recommend. Weighted measurements were derived from surveyed policyholders rank of prioritization of these factors.

    The A.M. Best ratings, discounts and coverage options noted in the survey do not affect the scores, but are provided as a supplementary resource.

    Insure.com makes these ratings freely available via this site. The views and opinions expressed by users do not reflect the views and opinions of Insure.com. Insure.com expressly disclaims any and all liability in connection with the ratings.

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    Our sole objective is to help customers make an informed decision when buying a policy online. This can be done by comparing different policies available on our portal. Insurance companies offer various policies and it becomes the more necessary to compare them before choosing the right one. Also, the chances of getting the best policy increases with insurance comparison as it allows you to scan through features, benefits, and premium rates of different plans and choose the most apt policy. Therefore, we at PolicyBazaar, assist consumers with:

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    Best Auto Warranties for 2017 – Auto Warranty Reviews, best extended auto warranty.#Best #extended #auto #warranty


    Auto Warranty Plans Best extended auto warranty

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    An auto warranty is an agreement between the owner of the vehicle and a warranty company. The warranty company agrees to pay for repairs, identified in advance, during the specified warranty period. A warranty period is generally based on car mileage; anywhere from one thousand to several tens of thousands of miles. The longer the coverage, the higher the price of the auto warranty. Warranties are often purchased in lump sum amounts, but certain companies also offer monthly payment plans.

    Auto warranties are generally considered a wise purchase, since the cost of car repairs can easily exceed thousands of dollars. However, that reasoning only holds true if the auto warranty covers the repairs needed. Auto warranty contracts have a lot of fine print. Understanding the scope of coverage is imperative to making a wise purchase. You also need to make sure the company offering the auto warranty is reputable – a warranty company that goes out of business will not be there to issue auto claim payments. Simply put, not every auto warranty is created equal.

    Continue reading below reviews

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    CARCHEX Best extended auto warranty

    CARCHEX has a solid, comprehensive, easy-to-follow website that is full of helpful information. They are a highly rated company with many endorsements and positive consumer feedback. CARCHEX offers a strong array of service plans and is highly recommended.

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    WARRANTY DIRECT

    Warranty Direct is a 30 year old company offering a long list of extended auto warranty plans to meet your needs. Rated highly by several independent agencies, customer service is a strong focus at Warranty Direct.

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    ENDURANCE

    Endurance Warranty Services provides three different extended auto warranty plans. We liked their flexible premium payment schedule, 24-hour roadside assistance, and 30 day money back guarantee. They also have an A+ rating with the BBB. Read More. Best extended auto warranty

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    AA AUTO PROTECTION

    AA Auto Protection offers six extended warranty plans. They are a broker, thereby representing several companies that underwrite the warranties they sell. Their customer service representatives, while friendly enough, were not the most professional in speech and manner.

    Before agreeing to purchase an auto warranty, you need to be sure to consider the following items:

    • Repair Coverage. Will the auto warranty plan cover the costly repairs that may be needed?
    • Cost. How does the cost of one auto warranty company compare to the next? Are you getting what you’re paying for?
    • Reputation. If and when you have an auto repair claim, will the auto warranty company stand behind you and your claim?

    TopConsumerReviews.com has reviewed and ranked the best auto warranty plans available today. We hope you find these reviews helpful in finding the best auto warranty that fits your needs!

    The Basics of Auto Warranties

    Cars are expensive investments, whether you like to purchase new or pre-owned. In protecting that investment and to avoid future repair expenses on your car, you may want to consider purchasing an auto warranty.

    Most new and some used cars are covered by some sort of warranty when purchased. For example, new cars are usually covered by a manufacturer’s warranty. These warranties vary greatly and are limited in duration. They may cover a variety of repairs until either a time limit or mileage limit such as three years or 36,000 miles. Once you reach that time or mileage limit, the warranty will either totally expire or much of what it covers will be void.

    Some manufacturers also offer various program warranties on specific used or pre-owned cars, usually called certified used or something similar, that extend the original manufacturer’s warranty or parts of the warranty.

    If you plan on keeping the car past the life of the manufacturer’s warranty, you may want to consider purchasing an extended warranty. Extended warranties are insurance policies against expensive, unforeseen repairs. In essence, extended warranties are actually service contracts. They cover expenses incurred that your warranty doesn’t cover.

    Unlike manufacturer’s warranties, extended warranties are purchased separately from your car. They can be purchased either through the original manufacturer or through a third-party, independent warranty company. In some cases, you’ll receive offers to purchase extended warranties in the mail or over the phone from the manufacturer just as the original manufacturer’s warrantee is expiring.

    Extended warranties are all different. They each differ on what repairs are covered, how much is covered, duration of the coverage and cost of the warranty. Before purchasing any extended warranty, determine what is still covered on the warranty you possess, determine how long past the life of the warranty you’ll keep the car, what you want covered and for how long.

    When researching the details of the warranty you want to purchase, look for information on the policy’s deductible, whether the policy is transferable if you sell the car and whether repairs can be done anywhere or only with specific shops. Also, look for specifics on what is covered and what is not. For instance, does the warranty cover breakdown of parts as well as wear and tear? A warranty that only covers breakdown requires the part to break before the warranty will pay to replace it. A wear and tear policy will cover parts that need to be replaced because they are too worn to work efficiently.

    Purchasing an extended warranty can be a smart investment. Don’t forget to research the warranty specification and the companies offering them online before making the purchase.

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    How To Get Affordable Car Insurance

    Do Some Homework and Don’t Settle for the First Deal

    10/20/2011 – By Michelle V. Rafter, Contributor

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    If you lose your job, take a pay cut or encounter another kind of financial hardship, affordable auto insurance quickly turns from nice to necessity. While it’s easy enough to find companies offering cut-rate car insurance, is that the best way to go?

    Not really, according to consumer watchdogs and insurance experts. To find the lowest possible rates from an insurer that’ll be there when you need it, learn what type of coverage you must carry, research the reputations of insurance companies and take advantage of every possible discount for which you’re eligible, experts say. They also recommend checking out pay-as-you-drive policies that peg premiums to how many miles you put on your car each year. Finally, if you’re eligible, look into low-cost auto insurance programs that such states as California, Hawaii and New Jersey offer to people with very low incomes.

    When it comes to buying affordable car insurance, you’re your own best advocate. At the same time, it’s not always easy to take on that role, says J. Robert Hunter, a former Texas insurance commissioner and insurance director at the nonprofit Consumer Federation of America in Washington. Don’t settle for the first insurance company or agent you find, Hunter says. Shop around. “That’s how big buyers of insurance do it,” he says. “They put it out for competitive bids. That’s what you should do, too.”

    Here’s a step-by-step guide to finding the lowest rates without getting ripped off:

    1. Start with the car. What you pay for comprehensive and collision coverage depends on the year, make and model of the car you drive. Generally speaking, the newer, more expensive the vehicle, the higher the premium. Rates for comprehensive and collision coverage don’t vary much, so if you can’t afford to pay a lot for insurance and you’re in the market for a car, buy one that’s inexpensive.

    2. Know your limits. Most states have set minimums for liability insurance coverage, both for bodily injury and property damage. Look up coverage minimums here or on your state insurance commission’s Web site. The National Association of Insurance Commissioners lists insurance commissions in all 50 states and U.S. territories. If you’re taking out a loan to purchase a new or used car, the lender will likely require you to carry a certain level of comprehensive and collision coverage, according to the NAIC.

    3. Take the highest possible deductible. Want an easy way to lower your premium? Take a high deductible. By opting for an annual deductible of $1,000 instead of $250, you’ll pay less up front, but should you be responsible for an accident, you’ll foot more of the bill before insurance payments kick in.

    4. Check your credit score. Some states allow insurers to take your credit history into account when compiling what’s called an insurance credit score, which they use to calculate your premium. Bad credit because of overdue bills or a personal bankruptcy means you could end up paying more for auto coverage. To improve your insurance credit score, pay your bills on time, monitor your credit report and do anything you can to fix problems that could be lowering your score.

    5. Narrow the field. Use the process of elimination to come up with three or four reputable insurance companies or agents to approach for quotes. Start at your state insurance commission’s Web site, which usually lists several dozen of the area’s top insurers. Choose the half dozen or so companies with the lowest prices for coverage that’s closest to what you need. Next, check the reputations of insurers by going to the NAIC’s Consumer Information Source Web site to find the “complaint ratios” for each. Complaint ratios show the number of complaints that consumers filed against a company in a given year and then compare this to the company’s share of all premiums for a specific type of auto policy during that period. The national median is 1.0, and highly rated companies can score well below that.

    Here’s exactly how to see where your candidate companies stand. In the search box on the right side of the Consumer Information Source page, type in the name of the insurance company you want to research, your state and “Property/Casualty” for the statement type. From the results page, click on “Closed Complaints.” To see complaint ratios for the company’s auto insurance policies, choose “Closed Complaint Ratio Report” and “Private Passenger.”

    If a company’s ratio is substantially higher than the median, go back to your state insurance commission’s Web site to see if regulators have taken action against them. With that information, whittle your list down to the three or four insurers with the lowest complaints. Then contact them directly. Consumers who are really financially strapped to the extent of not having Web access at home for this research can ask a friend or relative with Internet access for help, or use free Internet service at a public library.

    6. Find an agent. If the insurance companies you’ve identified as possibilities sell directly to customers, you can plug information into a form on their Web sites, get a quote and have someone contact you. If the companies sell through an agent network, ask friends or family who they use, or go back to your state insurance commissioner’s Web site to look up agents in your area. Give anyone you contact specific details about the coverage you want and let them know you’re comparison shopping. “Say, ‘I’ve talked to this company and got a quote for $480. Can you beat it?'” says Hunter, with the Consumer Federation of America. “Then you’ve put them to the test.”

    7. Grab those discounts. Insurers offer a multitude of discounts, including lower rates for drivers with short commutes, retirees, students with good grades or vehicles with safety devices such as car alarms or motorized seatbelts. If you’re over 55, you could lower your premium by 10 percent by passing a defensive driving course, according to the Insurance Information Institute. When you’re talking to agents, don’t forget to inquire about the group discounts that some insurers offer to members of professional organizations or other groups. Companies including State Farm, Auto Club of Southern California and Progressive have begun offering pay-as-you drive discounts, with premiums tied to your annual mileage, with a cap at approximately 19,000 miles. In many of these programs, you report your mileage online or to your agent when your policy’s up for renewal.

    8. Consider opting out of some but not all coverage. If you drive an older car and own it outright, consider dropping comprehensive and collision coverage. If the vehicle is really old, you could be paying more in insurance than what it’s worth. But hold onto that liability insurance. It’s illegal in most states to drive without it, and insurers in some states charge significantly higher premiums if you let coverage lapse, even if you haven’t been driving.

    9. Investigate state-run low-cost insurance programs. If you live in California, Hawaii or New Jersey, and if your household income is close to or less than the poverty level, you may qualify for state-run low-cost or no-cost insurance programs. Policies under the California Low Cost Automobile Insurance Program, for example, cost less than $400 a year and cover about 12,000 low-income drivers at any given time, according to Doug Heller, executive director of Consumer Watchdog, an advocacy group in Santa Monica, California. He expects more people to sign up as a new state law takes effect that lets agents sell the program online for the first time. “That’s important not just for people who can get online from their homes, but for agencies that provide resources for low-income families,” Heller says. Lawmakers in Nevada and Michigan recently proposed or approved pilots for similar programs.

    10. Assess insurance needs and premium costs annually. Life isn’t static, and your auto insurance premiums shouldn’t be either. Review your policy once a year, especially if you’ve moved or switched to a job that has you driving more or less. A review is also a good time to check on whether you’re eligible for additional discounts.

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    Best Insurance Companies 2017: Customers rate today’s top carriers

    Jennifer Shelton – Last updated: Nov. 9, 2016

    It s easy to feel like you got your money s worth from a delicious meal or a much-anticipated vacation, but what about when it comes something you don t necessarily want but need like which are the best insurance companies?

    Fortunately for you, there are people like us who earn that money by combing through information about insurance companies (and actually really enjoy doing it).

    Each year, Insure.com s Best Insurance Companies Survey reveals the 20 best auto insurance companies and the 15 best insurers for health, home and life insurance.

    So instead of worrying that you re not getting the best that our hard-earned money can buy, you can enjoy that sweet satisfaction that comes with being a savvy consumer.

    Auto, health and home insurers were ranked based on the ratings from surveyed policyholders in the categories of customer service, claims service, value for price, plan to renew, and would recommend. These five weighted categories reflected the priorities customers ranked the highest when considering insurance needs.

    Our survey is a great tool in helping alleviate the anxiety of wondering if there s something better out there that you re missing, says Jennifer Shelton, managing editor of Insure.com. You might ask five or six family members for recommendations or spend hours online or on the phone. We ve asked more than 3,700 people, and in one glance, you can make the best determination for your needs.

    Best auto insurance companies

    Companies rate factors different, so variables — such as road construction, crime rates and accident frequency in your city, which change from year to year — can make a difference in the way a company would quote a policy. One company might rate the area in which you live more favorably than another, so it s always worth comparing quotes at least every couple of years so you can take advantage of best rates available.

    For 2017, USAA reclaimed the top spot for auto insurance. The insurer has established reputation for treating its insurance members very well, but maybe that s because not just any John or Jane Doe can sign up. USAA requires military affiliation in order to have an account.

    Auto Club of Southern California took second place this year, and while it is a state-specific insurer, the AAA affiliate insures more than six million members. Rounding out the top three is another AAA insurer: CSAA Insurance Group. Don t be fooled by the name; CSAA doesn t just service the state of California. The insurer writes coverage in 23 states plus the District of Columbia.

    It shouldn t discourage you that the top three companies are affiliated with organizations. First off, USAA has a number of ways to show military association. And while the Auto Club of Southern California does require a AAA membership, CSAA does not, so anyone can purchase an insurance policy. However, you could also become a member of AAA and reap the additional benefits that come with that, such as road service.

    Residents of the Golden State aren t short of choices, but going with an insurer who is completely focused and familiar with one of the most densely populated areas of the country seems to be a good choice.

    Best health insurance companies

    Health care in the U.S. can be an overwhelming field to navigate, so finding a company with which you can feel satisfied and cared for is like winning the Olympic Gold Medal at Adulting. Whether you have insurance through your employer, the Marketplace, or an individual policy, familiarizing yourself with the players in the game and their plan offerings and can help you make better choices come open enrollment.

    Blue Cross Blue Shield affiliates appeared to have done a good job keeping consumer happy this year. Florida Blue and Blue Cross Blue Shield of Michigan took the number one and number two spots, both earning 4.75 stars for customer service — the highest in the health survey.

    A New York-based provider, EmblemHealth, received the third spot on our health insurance survey.

    Between these three state-specific health insurers, they service over 12 million members of the 289 million Americans with some form of health insurance.

    Best home insurance companies

    Car insurance commercials constantly urge you to switch and chances are — unless you are an undiscovered superhero you re using your health care benefits a couple of times a year. But homeowners insurance is often not thought of much past the requirement to have it with your mortgage loan or in the unfortunate event of a home disaster. Your home insurance protects what is likely your most valuable asset. Understand your needs or your current policy, then compare the options carefully, and rest a little easier.

    After earning the top spot in the auto category, USAA earned its second first-place finish this year with an overall score of 97.5, the highest score of the entire survey.

    The distance between first and second place was the widest in the home category with a seven-point difference. Chubb has a reputation as the go-to company for high-end insurance needs, and it s high and consistent scores would indicate its clients are pleased with the result. Currently, the runner-up writes coverage in 31 states.

    Allstate came in just a sliver behind Chubb with an overall score of 90.3, despite the nationwide insurer earning a perfect five in claims processing,

    Best life insurance companies

    Due to the unique nature of life insurance products, claims processing and likelihood of renewal are omitted from the scoring. The categories of customer service, value for price, and would recommend are the weighted factors measured in ranking the best life insurance companies.

    In the only category where national and non-state or member companies reigned supreme, Voya Financial, formerly ING, came out on top this year in the life insurance category with a stellar overall score of 97.1 and a perfect five stars in customer service. The multi-line insurer, State Farm, came in second, and John Hancock Life Insurance finishes the top three.

    Smaller companies may be keeping customers more satisfied

    The overall trend observed is that smaller, leaner companies specializing in their particular line or region seems to be more successful at keeping their customers happier than those that are large enough to spread to every type of coverage and financial product. That said, there were a couple of successful Goliaths.

    Penny Gusner, consumer analyst for Insure.com notes, It s remarkable that State Farm and Allstate are able to maintain such high marks in customer service. It s not uncommon to see companies as large and with such diverse products lose the ability to keep customer service at the heart of the company values.

    Insure.com commissioned Op4G to survey more than 3,700 insurance customers nationwide in June 2016. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of the home, health and life categories. Only current customers of the insurers on our lists were surveyed, and the survey was not open to the general public on the Insure.com website.

    Auto, home and health insurers were ranked according to a weighted 5-point measurement of the following factors: customer service, claims processing, value for price, would recommend and would renew. Life insurers were rated on a weighted 5-point measurement on customer service, value for price, and would recommend. Weighted measurements were derived from surveyed policyholders rank of prioritization of these factors.

    The A.M. Best ratings, discounts and coverage options noted in the survey do not affect the scores, but are provided as a supplementary resource.

    Insure.com makes these ratings freely available via this site. The views and opinions expressed by users do not reflect the views and opinions of Insure.com. Insure.com expressly disclaims any and all liability in connection with the ratings.

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    How to find the best auto insurance, best auto insurance.#Best #auto #insurance


    How to find the best auto insurance

    When it comes to auto insurance, best depends highly on the individual. You may be seeking a cheap solution for your old, rarely used car or the maximum coverage for your new family wagon. Here are several tips on getting the best auto insurance for any situation.

    Start shopping online

    Before you make any calls, try to do your own research online. When you pick up the phone, you might surrender to an auto insurance sales pitch without knowing all of your options. Use Bankrate.com’s auto insurance quote finder to get a conclusive comparison to narrow down your options.

    Focus on four auto insurance companies

    Pick four reputable car insurance companies and visit their official websites for additional information. Learn as much as you can about each company and read customer reviews. You may find more negative reviews than positive, but at least it will give you a little insight to others’ experiences. The more comfortable you are with your decision, the more you will feel like you have chosen the best auto insurance for your situation. Sometimes price isn’t as important as quality.

    The value of face-to-face

    Sometimes an in-person interaction adds significant value to your plan. Being able to walk into an office and discuss your auto insurance is empowering. Before you lock into a deal, make sure the auto insurance company is local. Developing a real relationship with your agent can only better your chances of getting the best deal on auto insurance.

    Know what will save you money

    If you are looking for the best deal on auto insurance, make sure you aren’t overlooking money-savers like being married or your car’s safety features. There are many individual qualities that can lower your premiums and save you money. Here are some additional tips to save money on auto insurance.

    Review your plan annually

    Keep up with your plan to ensure you still have the best auto insurance possible for your situation. If anything in your life changes, you could be eligible for a lower premium. Again, having a good relationship with your auto insurance agent will help you save.

    Progressive: Ranked One Of The Best Insurance Companies, best auto insurance companies.#Best #auto #insurance #companies


    Get insurance for almost anything you need

    The #1 Insurance Site

    Copyright 1995 – 2017. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Discount varies and is not available in all states or situations

    Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

    $1 per day rate is based on filed nation-wide average rates for a 2-year old mixed breed dog with a BestBenefit $5000 annual limit plan, $100 deductible and 90% reimbursement. Rates are subject to change upon regulatory approval and will vary based on location, breed, age, and selected coverage options, deductible and reimbursement level. Actual rates may be higher or lower.

    A leader in boat insurance from 2016 Millward-Brown national survey data.

    No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

    Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

    Learn more about comparison rates, which are available from Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product and Progressive Direct’s credit evaluation, and do not include prices and products available from Progressive agents. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.

    Best second hand & used cars to buy in 2017, Carbuyer, best used cars to buy.#Best #used #cars #to #buy


    Best used cars

    While owning a brand-new car is an experience to cherish, buying used can leave you with more money in your pocket. Choosing a pre-owned car means you won’t suffer the initial period of depreciation the first owner will experience. This is the value a car loses as soon as it’s driven away from the showroom.

    Although Carbuyer is strongly focused on new cars, we certainly appreciate why buying used continues to be such a popular alternative. This has led us to consider which cars offer the best value for money on the used market – there are some that can save their second owner a huge amount of cash.

    The rate at which a used car loses its value – its rate of depreciation – can vary enormously between models and it’s not always easy to predict how a car will perform in this regard. There are some truly excellent cars out there that, for a variety of reasons, perform poorly on the used-car market and have to be priced low to attract a buyer. This is bad news for whoever buys such a car brand new, but excellent news for subsequent owners.

    Depreciation tends to slow down once a car has reached three years of age – if you plot it on a graph, the initial steep curve gradually flattens out as the car becomes older. This means it’s possible to buy a used car and experience considerably less loss of value than a new-car buyer is likely to endure. It means that buying used can be a very cost-effective method of car ownership, as long as you don’t mind missing out on the latest design and cutting-edge technology.

    High-spec models – those priced markedly higher than lower models in the range – are likely to depreciate faster than others and can offer spectacular value secondhand. And some cars that are so expensive that the first three years of depreciation takes tens of thousands of pounds from their value. However, the cars on our list of the 10 best used car buys were all sensibly priced when new and some are likely to hold on to their remaining value strongly – great news when the time comes to sell.

    Used car buyers have never had more choice – both in variety of cars and the range of places you can buy a used car with confidence. Check out online sellers such as our sister site BuyaCar.co.uk.

    Read on for a little used car inspiration and also see our guides to getting a good deal on a used car and questions to ask when buying a used car to give you an edge during negotiation.

    Kia Cee d hatchback

    Best used cars to buy

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    Best GPS Devices

    Portable GPS navigators are useful tools to have in the car whether you’re traveling to unfamiliar cities or just navigating your own hometown. We reviewed several GPS devices and selected our top 10 based on the following factors:

    1. Large, bright touchscreen display that s visible even in sunlight

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    4. Powers up and finds destinations quickly

    5. Mounts easily to the windshield or dashboard and detaches for safekeeping

    6. Provides free traffic updates and current maps

    7. Gives adequate notice of upcoming turns

    8. Speaks clearly and includes street names in the directions

    9. Shows pertinent information on the screen like speed limit, ETA, and current location

    10.Provides lane assistance in complicated junctions

    2-hour battery life

    Maps of North America for life

    Best auto gpsThis 5-inch GPS navigator from Garmin has a touchscreen that is very responsive and brighter than a lot of the competition. It’s also got a dual orientation feature read more

    2-hour battery life

    480 x 272p resolution

    Includes maps for 49 lower U.S. states

    Best auto gpsGarmin is one of the most familiar names of portable GPS device makers. The 52LM model is available for a great low price with excellent performance read more

    Includes 1 nonstandard battery

    2-hour battery life

    Comes with 3D traffic receiver, suction cup mount, USB cable, and instructions

    Best auto gpsThe latest Garmin GPS navigator expands its touchscreen to 5 inches, which is very helpful when you’re driving and you need to glance at the GPS quickly read more

    Includes maps for U.S., Mexico, and Canada

    Best auto gpsThe first portable GPS navigator to integrate travel apps into its functions, the TomTom GO Live allows you to connect to Yelp, TripAdvisor

    Includes lifetime maps for the U.S.

    5 inch touchscreen

    Best auto gpsTomTom’s START 50M entry-level GPS device is perfect for those who only need one occasionally. These handy devices pay for themselves the first time you get yourself out of a pinch on the road read more

    Lifetime map updates

    Includes maps for U.S. and Canada

    Comes with a charger, USB cord, and car mount cradle

    7.5 x 0.6 x 4.2 inches

    Best auto gpsWe were impressed with the Magellan RoadMate 1700LM, which gives you audible cues to get off the highway, make a turn, or turn around. This feature comes in handy if you’re traveling through an unfamiliar

    2-hour battery life

    Includes maps of U.S. and Puerto Rico

    3 9/16” H x 5 11/16” W x 15/16” D

    Best auto gpsThe TomTom GO 50 1FC5.019.01 is a handy tool to have when you’re traveling through unfamiliar regions. It’s nice having free traffic updates and a way to avoid tollroads without the annoying

    Lifetime map updates

    Maps of the U.S., Canada, and Puerto Rico

    5 x 0.6 x 3.3 inches

    Best auto gpsThe Magellan RoadMate 2045T-LM has a 4.3-inch screen with 480 x 272 pixels. The GPS device picks up live traffic information without subscription and also shows you points of interest

    GPS Device Buying Guide

    A Portable GPS Navigator Buying Guide

    As you shop for a GPS device to mount in your car, consider the following factors that can have an impact on your device’s effectiveness.

    There are GPS screens ranging from 2.5 to 7 inches. While the small screens can be difficult to see at a glance while you’re driving and cumbersome to type on, the large screens can block your view of the road when mounted on the windshield. Look for a GPS device with a screen around 4.5 to 5 inches as a good compromise. The 5-inch screens are especially easy to take in at a glance, especially if you’re driving a truck, RV, or other large vehicle.

    Typing on a touchpad screen can be cumbersome, especially if the screen isn’t very responsive. Some GPS devices include dynamic search options that predict the possible locations based on the letters you’ve typed in. If you see the correct destination, you can save yourself the trouble of typing it all in just by pressing it.

    As you approach complicated junctions, the lane assistance feature on your GPS navigator will help you figure out exactly which lane you need to be in to make your exit or turn.

    In a further effort to keep your hands on the wheel, many GPS navigators include Bluetooth connectivity, allowing you to make and receive calls through the loudspeaker without using your hands. You must have a phone that supports Bluetooth for this to work.

    A GPS device can be attached either to the windshield or the dashboard with a suction cup mount. Look for mounts that hold the GPS navigator steady without vibrating. Also be aware that some states like Minnesota and California have restrictions on mounting any device to the windshield.

    Your GPS device can always be powered by the car adapter, but many also have an internal power supply that lasts a couple hours per charge. With an internal power supply, you can carry the GPS device along with you on bike rides or to navigate subway and bus stops. Often you can charge the GPS device through the USB cord plugged into the computer.

    An ideal GPS navigator speaks the names of the streets you turn on so you don’t have to keep glancing at the screen for the directions. While this is a very helpful feature, be aware that some models are better at vocalizing text than others. When a GPS device can’t pronounce simple street names, it kind of defeats the purpose.

    Most high-end GPS devices offer real-time traffic updates, alerting you to accidents and traffic jams and rerouting you to a less congested path. Sometimes this traffic service is limited to major roads. Sometimes the traffic information comes through a subscription, and other times it’s free—but you’ll have to put up with pop-up ad banners.

    Other special alerts and features

    Advanced GPS navigators have advanced routing options, such as avoiding toll roads. Some GPS devices alert you to streets with speed cameras or intersections with red light cameras so you can advance with caution. The more versatile and flexible your GPS navigator, the more options you have on the road.

    Best auto gps

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    Used Best Car Deals – Villa Park, IL: Read Consumer reviews, Browse Used and New Cars for Sale, best used car deals.#Best #used #car #deals


    Used Best Car Deals

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    Current Auto Loan Interest Rates, best auto loan rates.#Best #auto #loan #rates


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    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.

    10 steps to a great deal on a new-car loan, best auto loans.#Best #auto #loans


    10 steps to your best deal on a car loan

    Negotiating a great price on a new car is just half the battle: You also need a great car loan to make it a great deal.

    Here are 10 tips to help you get the best auto loan:

    1. Shop the loan separately from the car.

    Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

    You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

    2. Limit your loan shopping to a two-week period.

    Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

    3. Get familiar with your own credit history.

    Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

    4. Shop the total loan amount, not the monthly payment.

    The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

    5. Don’t assume the best.

    Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables.

    6. Get the right tools.

    What’s better for you — super-low dealer financing or cash rebates? You can get a quick answer to that by using Bankrate’s car rebate vs low-interest calculator. Within a few seconds, you’ll know to the penny which is the better deal. Usually, it’s the cash, says Giorgianni.

    7. Read the fine print.

    Take the loan paperwork home and read it before you sign anything, advises Massachusetts consumer attorney Yvonne Rosmarin. If a lender or dealer balks at that, walk out. This is a binding agreement that’s going to last for years, so you need to know exactly what’s in it. Some points that warrant special caution:

    • Mandatory binding arbitration: “It takes away your right to go to court for anything,” says Rosmarin.
    • Variable interest rate: Figure out the highest possible payment. If you can’t afford it, the loan’s not for you.
    • Prepayment penalties: How much will it cost you to pay off the loan early if you want to sell or refinance?
    • Is everything the lender promised in the contract? Oral promises are hard, if not impossible to enforce, says Rosmarin. If there’s something missing that’s important to you, don’t sign until it’s included. If it’s work that’s promised, don’t sign until it’s completed.

    8. Check the math.

    If the monthly payment is even slightly different from your calculations, the loan might not have the terms you think you negotiated. Use Bankrate’s auto calculator to double-check.

    9. Avoid conditional financing.

    Never take a car from a dealer until the financing — down payment amount, interest rate, length of loan, monthly payments — is finalized. If the financing is “contingent” or “conditional,” they can change later and you could get stuck with less advantageous terms.

    10. Investigate your lender.

    “Check on anyone you’re dealing with,” says Rosmarin. Try your state attorney general’s office and office of consumer affairs, the Better Business Bureau, as well as any government agencies (state or federal) that regulate lenders. Search online to learn what customers and former customers are saying. While you should take online comments “with a grain of salt,” says Rosmarin, they can also provide an early warning to possible problems.

    2017 Reviews Of The Best Extended Auto Warranty Companies, best extended auto warranty.#Best #extended #auto #warranty


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    Best extended auto warranty

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    Best Car Extended Warranty Reviews

    Finding the best extended auto warranty coverage is not the easiest thing these days – there’s lots of clutter and wading through it all can be very daunting. This is why we are glad that you are on this site. We’ve spent months researching and testing the best auto warranty companies and the ones listed below are the crème de la crème. Each has been tested against our criteria of affordability, response in handling claims and efficiency in getting you back on the road. If you want peace of mind, you’ll find it in any one of our top three choices:

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    Here are other reasons why we like them:

    • Autopom! sells nationwide and is one of only a few companies licensed to sell mechanical breakdown insurance in California
    • Coverage is backed by AM Best “A” Rated (or better) providers
    • All coverage plans offered are backed by an insurance company
    • Unlimited starting mileage (most brands up to 14 model years old)
    • A+ BBB Accredited
    • 30 to 60 day money back guarantee
    • Rental car assistance
    • 24/7 roadside assistance & towing
    • Trip interruption reimbursement
    • Choose your own repair facility
    • Consultative, low-pressure selling style

    Best extended auto warranty

    Compare Auto Insurance Rates In Minutes, Progressive, best auto insurance rates.#Best #auto #insurance #rates


    Compare Car Insurance Rates

    See how our auto insurance rates stack up against others’

    Compare auto insurance rates in just a few minutes

    It’s the smart way to shop: pick the coverages you want, then compare car insurance rates for the exact same coverages at a handful of companies. It’s fast. It’s easy. It’s all online. Try it now to find your best rate. If you’re looking for even more savings, then check out our auto insurance discounts.

    Start a quote and compare rates in a few simple steps

    Fine-tune a policy

    Get a car insurance quote and then pick the coverage package you want to use to compare insurance rates.

    Compare rates

    After you answer all the questions for your quote, we’ll show you our rate first. Then look for the compare rates callout to see rates from other insurers.

    Find the best policy

    With all the prices in front of you, your biggest insurance savings stand out and the winner is clear.

    Two ways to quote. Tons of ways to save.

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    The #1 Insurance Site

    Copyright 1995 – 2017. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Prices for policies sold through agents and brokers are available from them and through progressive.com/agent.

    Learn more about comparison rates , which are available from Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product and Progressive Direct’s credit evaluation, and do not include prices and products available from Progressive agents. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service.

    Best Insurance Companies, best auto insurance.#Best #auto #insurance


    Best Insurance Companies 2017: Customers rate today’s top carriers

    Jennifer Shelton – Last updated: Nov. 9, 2016

    It s easy to feel like you got your money s worth from a delicious meal or a much-anticipated vacation, but what about when it comes something you don t necessarily want but need like which are the best insurance companies?

    Fortunately for you, there are people like us who earn that money by combing through information about insurance companies (and actually really enjoy doing it).

    Each year, Insure.com s Best Insurance Companies Survey reveals the 20 best auto insurance companies and the 15 best insurers for health, home and life insurance.

    So instead of worrying that you re not getting the best that our hard-earned money can buy, you can enjoy that sweet satisfaction that comes with being a savvy consumer.

    Auto, health and home insurers were ranked based on the ratings from surveyed policyholders in the categories of customer service, claims service, value for price, plan to renew, and would recommend. These five weighted categories reflected the priorities customers ranked the highest when considering insurance needs.

    Our survey is a great tool in helping alleviate the anxiety of wondering if there s something better out there that you re missing, says Jennifer Shelton, managing editor of Insure.com. You might ask five or six family members for recommendations or spend hours online or on the phone. We ve asked more than 3,700 people, and in one glance, you can make the best determination for your needs.

    Best auto insurance companies

    Companies rate factors different, so variables — such as road construction, crime rates and accident frequency in your city, which change from year to year — can make a difference in the way a company would quote a policy. One company might rate the area in which you live more favorably than another, so it s always worth comparing quotes at least every couple of years so you can take advantage of best rates available.

    For 2017, USAA reclaimed the top spot for auto insurance. The insurer has established reputation for treating its insurance members very well, but maybe that s because not just any John or Jane Doe can sign up. USAA requires military affiliation in order to have an account.

    Auto Club of Southern California took second place this year, and while it is a state-specific insurer, the AAA affiliate insures more than six million members. Rounding out the top three is another AAA insurer: CSAA Insurance Group. Don t be fooled by the name; CSAA doesn t just service the state of California. The insurer writes coverage in 23 states plus the District of Columbia.

    It shouldn t discourage you that the top three companies are affiliated with organizations. First off, USAA has a number of ways to show military association. And while the Auto Club of Southern California does require a AAA membership, CSAA does not, so anyone can purchase an insurance policy. However, you could also become a member of AAA and reap the additional benefits that come with that, such as road service.

    Residents of the Golden State aren t short of choices, but going with an insurer who is completely focused and familiar with one of the most densely populated areas of the country seems to be a good choice.

    Best health insurance companies

    Health care in the U.S. can be an overwhelming field to navigate, so finding a company with which you can feel satisfied and cared for is like winning the Olympic Gold Medal at Adulting. Whether you have insurance through your employer, the Marketplace, or an individual policy, familiarizing yourself with the players in the game and their plan offerings and can help you make better choices come open enrollment.

    Blue Cross Blue Shield affiliates appeared to have done a good job keeping consumer happy this year. Florida Blue and Blue Cross Blue Shield of Michigan took the number one and number two spots, both earning 4.75 stars for customer service — the highest in the health survey.

    A New York-based provider, EmblemHealth, received the third spot on our health insurance survey.

    Between these three state-specific health insurers, they service over 12 million members of the 289 million Americans with some form of health insurance.

    Best home insurance companies

    Car insurance commercials constantly urge you to switch and chances are — unless you are an undiscovered superhero you re using your health care benefits a couple of times a year. But homeowners insurance is often not thought of much past the requirement to have it with your mortgage loan or in the unfortunate event of a home disaster. Your home insurance protects what is likely your most valuable asset. Understand your needs or your current policy, then compare the options carefully, and rest a little easier.

    After earning the top spot in the auto category, USAA earned its second first-place finish this year with an overall score of 97.5, the highest score of the entire survey.

    The distance between first and second place was the widest in the home category with a seven-point difference. Chubb has a reputation as the go-to company for high-end insurance needs, and it s high and consistent scores would indicate its clients are pleased with the result. Currently, the runner-up writes coverage in 31 states.

    Allstate came in just a sliver behind Chubb with an overall score of 90.3, despite the nationwide insurer earning a perfect five in claims processing,

    Best life insurance companies

    Due to the unique nature of life insurance products, claims processing and likelihood of renewal are omitted from the scoring. The categories of customer service, value for price, and would recommend are the weighted factors measured in ranking the best life insurance companies.

    In the only category where national and non-state or member companies reigned supreme, Voya Financial, formerly ING, came out on top this year in the life insurance category with a stellar overall score of 97.1 and a perfect five stars in customer service. The multi-line insurer, State Farm, came in second, and John Hancock Life Insurance finishes the top three.

    Smaller companies may be keeping customers more satisfied

    The overall trend observed is that smaller, leaner companies specializing in their particular line or region seems to be more successful at keeping their customers happier than those that are large enough to spread to every type of coverage and financial product. That said, there were a couple of successful Goliaths.

    Penny Gusner, consumer analyst for Insure.com notes, It s remarkable that State Farm and Allstate are able to maintain such high marks in customer service. It s not uncommon to see companies as large and with such diverse products lose the ability to keep customer service at the heart of the company values.

    Insure.com commissioned Op4G to survey more than 3,700 insurance customers nationwide in June 2016. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of the home, health and life categories. Only current customers of the insurers on our lists were surveyed, and the survey was not open to the general public on the Insure.com website.

    Auto, home and health insurers were ranked according to a weighted 5-point measurement of the following factors: customer service, claims processing, value for price, would recommend and would renew. Life insurers were rated on a weighted 5-point measurement on customer service, value for price, and would recommend. Weighted measurements were derived from surveyed policyholders rank of prioritization of these factors.

    The A.M. Best ratings, discounts and coverage options noted in the survey do not affect the scores, but are provided as a supplementary resource.

    Insure.com makes these ratings freely available via this site. The views and opinions expressed by users do not reflect the views and opinions of Insure.com. Insure.com expressly disclaims any and all liability in connection with the ratings.

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    Who Has the Cheapest Auto Insurance Quotes in Texas, best auto insurance.#Best #auto #insurance


    Best Car Insurance Rates in Texas

    ValuePenguin analyzed car insurance quotes in 78 cities in Texas from 11 companies to identify the cheapest insurers and rates in the state. Our analysis showed a wide range in costs from company to company.

    For example, in Houston, the difference between the cheapest and the most expensive company was $696 a year. This is why to get the right rates, consumers should shop around. Enter your zip code above now to start shopping for great auto rates in your area among the top U.S. insurers, or read more by clicking directly on each section below.

    Cheap Car Insurance Companies in Texas

    To identify the cheapest companies, we reviewed auto insurance quotes for a sample driver in Texas and then ranked them based on their average across 78 cities. Here are the five companies with the best auto insurance rates in Texas:

    Best auto insurance

    Find the Cheapest Auto Insurance Quotes in Your Area

    The cheapest car insurance companies in Texas include Texas Farm Bureau, GEICO, Progressive, State Farm, and Mercury. Overall, Texas Farm Bureau had the best rates, but it does require a membership fee.

    Here are the average rates across 78 cities for our sample driver, a thirty year old single male with a clean driving record. While your actual quotes will depend on where you live and park your car, as well as how you’ve driven, these companies are a good place to start finding low cost insurance. The same driver will get different quotes from different companies. Comparing quotes from at least three companies is the best way to get good rates. Start by entering your zip code below to see what top US insurers are covering your area.

    Cheap Car Insurance in Texas: by City

    We analyzed auto insurance rates in each city to identify the top three insurers with the lowest rates. In the table below, we’ve prepared a list of 78 largest cities in Texas along with the city’s three lowest cost insurers and average annual premiums to give drivers a sense of costs. Rates are averaged for a single 30 year old with a good credit score and driving history.

    Note that USAA ranked in the first or second spot in almost all cities, but we’ve excluded them from this table because the company only serves military and affiliated members. Below is also a deeper dive by the largest cities of the most affordable insurers by age and marital status to give drivers a further idea of the going rates for auto insurance. We’ve excluded USAA from the city specific tables as well.

    Dallas, TX

    Policies in the Big D cost on average $2,457, but you can still save with cheap car insurance in Dallas if you know where to look. Start with Progressive, Texas Farm Bureau, and State Farm – the three cheapest insurers in Dallas based on our study. Quotes from these three companies are about 39% less than the Dallas composite.

    Best auto insurance

    Houston, TX

    Paying for car insurance in Houston can cost an annual premium of $2,881, making it the most expensive in our study of Texas auto insurance. You can save money though by going with quotes from Texas Farm Bureau, Progressive, and State Farm. The three companies’ yearly average are about can save you 34 – 51% off of the average auto insurance rate in Houston.

    Best auto insurance

    Austin, TX

    Which companies have the cheapest auto insurance rates in Austin, TX? We suggest 30 year old drivers in Austin compare quotes starting at Texas Farm Bureau, Progressive, and GEICO based on our graph below. Auto insurance in Austin can cost drivers about $2,191 a year, which is about 6% less than elsewhere in the Lone Star state. At these three companies, however, drivers can save on average 44% versus the average city cost.

    Best auto insurance

    San Antonio, TX

    In San Antonio, we have Progressive and Texas Farm Bureau sweeping the boards with the lowest rates, with State not far behind. It costs about $2,348 to insure your car in the Alamo City, Texas’s second largest city – about 7% more than the the state average.

    Best auto insurance

    El Paso, TX

    Despite being the sixth largest city in Texas, El Paso has a car insurance cost just lower than the average city in Texas. It costs just $2,239 a year to insure a car in a town that has been named one of the Happiest Cities to Work In, or one of America’s Safest Cities. Annual premiums are already 8% cheaper than the state average. Keep Texas Farm Bureau and Progressive in mind if you’re looking for cheap auto insurance in El Paso.

    Best auto insurance

    Best Auto Insurance Companies in Texas

    To find the best insurers in Texas, we’ll be looking at the companies with the fewest complaints compared to their competitors. These are thirty of Texas’s largest auto insurance companies, and are ranked based on their complaint index, which measures how many valid complaints the company gets compared to the average insurer. An index of 1.00 is average, and a number below 1, such as State Farm County’s index, is better (gets fewer complaints than the average company).

    The best car insurance companies in Texas with the fewest complaints are the Hartford, State Farm, and Germania Insurance. The cheapest companies in our study, Foremost County Mutual, Allstate, and USAA, had lower than average complaints as well.

    Average Cost of Car Insurance in Texas

    How much do people pay on average for car insurance in the state of Texas? $2,330, according to our data. Going into this number are rates for 78 cities in the Lone Star State for a thirty year old single male driver with a good driving history and credit score.

    Best auto insurance

    Auto Insurance in Texas: Minimum Coverage Requirements

    The absolute minimum you can have on a basic car insurance policy in Texas is liability protection for the categories and limits below. Other types of coverage such as collision and comprehensive, personal injury protection or medical payments coverage, and uninsured motorist coverage are optional in Texas.

    • Bodily Injury (BI): $30,000 per person/$60,000 per accident
    • Property Damage (PD): $25,000 per accident

    We always advise drivers to purchase as much coverage as they have in assets to protect themselves. That’s because if you’re involved in a serious car accident, your insurer will only cover you up to the amounts on your policy. Any medical bills or car repair costs that exceed your car insurance limits, you would be on the hook for. That’s true whether you live in Houston, which the Texas Department of Transportation recently reported had 67,000 car crashes, or Adrian, which reported just one this past year.

    Methodology Assumptions

    Average rates are for illustrative purposes, as individual quotes will differ based on driving history, coverage sought, vehicle type, and other factors.

    Data was obtained from the Texas Department of Insurance for a thirty year old single male driver across 78 cities. He owns his car and uses it primarily for work purposes, averaging about 12,000 miles annually. Insurance policies include Texas’s minimum auto insurance liability requirements: $30,000 for bodily injury liability per person (up to $60,000 per accident), and $25,000 of property damage (30/60/25 coverage), 50/100/50, as well as 100/300/100. Car insurance costs are based on a 2011 Toyota Camry four-door sedan, with 2.5 liter/4 cylinder engine.

    Best and worst auto insurance companies, Clark Howard, best auto insurance companies.#Best #auto #insurance #companies


    Best and worst auto insurance companies

    Best auto insurance companies

    Thinking about shopping your auto insurance? A huge percent of people never shop their insurance needs — and that s a bad idea considering that modern American business punishes loyalty, rather than rewarding it.

    Car insurance ads on TV promise accident forgiveness, vanishing deductibles and other selling points. But those features are just a side show to the main act, which is a company s reputation with satisfying customers after a claim is made.

    Best and worst auto insurers

    Consumer Reports took a look at the auto insurance industry by surveying more than 64,000 readers about their satisfaction on the claims process, the cost of premiums and the overall customer experience.

    Here are the winners and losers, according to the magazine:

    Top 12 best insurers

    5. Auto Club Enterprises Insurance Group

    6. Auto Club Insurance Association

    12 worst auto insurers

    When it comes to car insurance, be sure the deductible you have isn t too low. Having a low deductible pushes premiums higher. It could also tempt you to make a claim for a small incident that will leave you in trouble with insurers going forward.

    You never want to make a claim on auto insurance for something small — like a cracked windshield or a broken side-view mirror — because the consequences are so ugly.

    The insurer can surcharge you for a number of years; eliminate the discounts you would otherwise qualify for; or put a black mark on your C.L.U.E. report, a little-known industry database of claims. The latter effectively limits your ability to shop with the competition for 36 months.

    The hidden dark side of roadside assistance

    Auto insurers are great about offering add-ons to your policy that seem in theory like great conveniences at a great price. But using these seemingly benign “benefits” could marginalize you in the insurance marketplace and result in jacked-up rates!

    Some auto insurers that offer roadside assistance treat your use of it as an at-fault claim and put that through on your C.L.U.E. report — even though you only needed a tow or the fix or a flat tire!

    “It’s the Wild West with no rules on what insurers can decide to report on your C.L.U.E. report,” money expert Clark Howard says. “And you have no right of appeal either.”

    So here’s the # 1 rule about roadside assistance: Never get it from your own insurer. Get it from AAA or elsewhere.

    Shopping around is the best way to get a lower rate

    If your auto insurance is costing you too much, you ve got to look around at other insurers. Here s how to start the process

    Begin by identifying solid companies

    Clark has long talked about the merits of Amica Mutual and USAA. But those aren t the only two companies you should look at. Consider buying a one-time subscription to Consumer Reports and checking their latest list of the best auto insurance companies to find others that should make it onto your shortlist.

    Get your quotes

    Once you have a list of candidates, you ll want to start getting quotes. This typically takes around 15 minutes on the phone per insurer. Have your most recent policy in front of you in case any questions come up about the make and model of your vehicle(s).

    Working with an insurance broker is another option. He or she will get multiple quotes for you and you ll have access to all the insurers they do business with. It s an easy one-stop shop that lets you still have the flexibility of comparison pricing.

    Compare quotes

    Once you get the quotes back, it s time to compare them. Each quote should be based on the same amount of coverage so you can do an apples-to-apples comparison. What if a poorly ranked company offers you a great quote? Clark says to avoid them! While the premium might be tempting, you want to be sure your insurer is there for you when the chips are down.

    Know when to drop comprehensive and collision

    The general rule is when the cost of comp and collision exceeds 10% of your old vehicle s value, that s the time to dump it and just have liability coverage. You can determine your vehicle s value at Edmunds.com, KBB.com or NADA.com.

    So let s take a simple example. Say your vehicle is worth $4,000. If you re paying anything more than $400 annually (that s 10% of $4,000) for comp and collision, it no longer makes any financial sense. One notable exception to this rule: If there s no way you could financially cover the loss of your vehicle, forget the math and keep paying for comp and collision.

    Be prepared to take a higher deductible

    You should always opt for a $1,000 deductible for the best savings on your policy. At that level, you ll pay a lower premium and won t be tempted to file any small piddling claims.

    Don t forget about discounts!

    There are a ton of different discounts out there. Here are some you can ask about:

    • Antitheft devices
    • Multiple policies with the same company
    • College students living away from home
    • Defensive driving courses
    • Drivers ed courses
    • Low annual mileage
    • Long-time customer
    • More than one car
    • No accidents in three years
    • No moving violations in three years
    • Student drivers with good grades

    Best Car Insurance Companies: Page 2 – Top Ten List, best auto insurance companies.#Best #auto #insurance #companies


    Best Car Insurance Companies

    Very friendly, personal, and informative staff. I enjoyed the choices that were given to me and how my coverages suited my needs and budget. I am a non-standard customer and my rate compared to the other non-standard insurance companies was lower & I received better customer service.

    Extraordinary customer service through and through! This is one of the few places that I’ve shopped where I really felt like the agents listened to me and understood my needs. My only regret is not checking them out sooner.

    Farm Bureau has paid every claim we have had fairly and quickly. I hydroplaned after a tire blew out and my Honda flew over an deep embankment and landed upright but the damage was significant. Again, I was easing out of a parking place at a restaurant when a large pickup blew through the lot and couldn’t stop. My car was a total loss and Farm Bureau gave me what seemed to be more than they needed to based on my research of my car’s worth. A third time, I bumped someone at a right turn stop sign and they took care of the dent on the other car, no questions asked. If I were them, I would refer me to another company, but they continue to offer great service at an very fair price and have just insured our new condo at an excellent rate..

    Paid every claim we had with no problems. We were involved in agriculture and had several accidents. One involved one of our trucks hitting a gasoline carrier. Brakes on our truck went out on a crossroad and tore open the gas truck. Closed main highway for about 3 hours. Farm Bureau took care or it all.

    We were rear ended by a driver with Farm Bureau insurance. My wife and I both had injuries, and Farm Bureau were compassionate and efficient in quickly making sure that we had sufficient money to pay our medical expenses.

    Have had them for 16 years, they have the best rates. great customer service and they truly care

    Working with insurance adjusters on a daily basis, I couldn’t image carrying insurance through any other company. I find Erie to be the most likely to settle claims, which makes me feel extremely well-covered when I’m on the road. I know that if something happens, and the other person doesn’t have insurance, my company will take care of me without pushing back or thinking of dropping me. I love ERIE!.

    I have had ERIE for auto and home owners for 35+ years. Having done comparisons from time to time, I have not been able to get better rates and coverage for my dollar spent. Their claims service, to me, is outstanding. They are truly Above All in Service The only draw back is that they are somewhat regional.

    Left Nationwide after 33 years for Erie. 3 Cars and 2 House policies and saved over 30%. Now that’s a big savings that no one could match for the same coverage. Nothing wrong with Nationwide, just kept increasing the price with no claims. After a lot of checking, Erie was the best choice to be found.

    Been with erie for years and let me tell you they are definitely the cheapest insurance around.

    Sucks to be the guy you hit but it’s cheap.

    ALTHO they did not give me discounts, at least they did not charge an arm and a LEG after my one accident. Mercury has been faithful and very helpful when I am a couple days late on payment. DARN ALLSTATE! They paid the other party over and over and over, even though the damage to my fender was worse, they only had a slight tap on rear end, but got FULL VALUE for their ‘destroyed’ car, and all 5 occupants got PT and chiropractic visits 3x each. I WAS ANGRY! They were not injured, and the car was repairable. But Mercury came through and gave me a good deal for the upcoming years!

    Mercury gave me a lower auto insurance quote than any of the others that I have checked that are ranked higher on this list.

    We used to have Geico. We have a clean driving record no accidents and our insurance goes up. So we changed to Elephant and love it! And it is a whole lot less with the same coverages.

    I’ve dealt with them on two homeowner claims (for my grandmother) and three auto claims (a $68k uninsured motorist claim and a broken windshield claim on my cars and my mom’s car after she hit a deer). These claims have spanned the last nine years and each one was handled with a high level of professionalism, but also with decency, kindness and compassion. They are truly an honest company that pays the claims they owe quickly and fairly. When I was injured by the uninsured motorist in 2010, the first thing my attorney said when he saw that I had A-O was you have nothing to worry about, they will take care of you.

    Actually pay claims. Even when on an older vehicle with little damage.

    The rates are much better on a Homeowners policy than I have ever had with State Farm or Grange. Great agents also.

    Very prompt in handling and paying the only claim I have had with them which was roof replacement on my ho me. H ave never had to make a claim on my auto insurance with them but presume they would handle it in the same satisfactory way. I like their discount for paying annual premiums in full. I also like the fact that they do not spend exorbitant amounts of money for misleading T.V. commercials as many other companies do.

    Been with them for over 10 years. The customer service is great, response time is excellent, and the cost of coverage is outstanding.

    Cheapest insurance and good service, too. They were there when I needed them, professional, and very efficient.

    I’ve been with Wawanesa for years and you can’t beat their prices or customer service in handling claims.

    Best price out there

    They have the lowest complaint ratio in California. They mainly market to teachers, police officers, fire fighters, and nurses. They’re also endorsed by the NEA and California Teacher’s Association. They’re a great family owned company!

    California Casualty is a great company! Association based, they work with teachers, fire fighters, policemen and nurses. They have to adhere to a higher standard when responding to claims so they don’t lose their endorsements. They are endorsed by over 1k associations nationwide. They also have the NEA endorsement. 97% claims satisfaction.

    We have worked with Calcas for over 20 years and have been completely satisfied with our rates and coverage.

    Man my insurance (Safe Auto) needs to get ranked up! – wefixbadcredit1

    Yes, I completely agree

    Nice service at a great price.

    I have been with State Farm for 35 yrs. And it’s time for a change. I rec’d my new premium and it increased $341. Encompass was less than half.

    Since they are a subsidiary of Allstate and their reviews are good, I will be going with them. State Farm has been good for me, but now in 2013, I can’t afford to be paying out all these increases for exactly the same coverage. Bye, bye SF xoxoxo

    Awesome insurance and great coverage. You will know their goodness if you ever need your car repaired. Even in a not my fault accident, PEMCO provided all the assistant needed in dealing with other person’s insurance.

    Cheap insurance. Paid above market value for my car when I totalled it. Good costumer service. Generally a great company, Though I am forced to get new insurance after getting a dui. Overall great care.

    I have insurance with this company and they have served me well. When I call or need help the Johnny Blackwell agency in Albertville, Al. is there for me and I always talk to him or his customer service representive. This means a lot to me and being ole school I appreciate this company. I don’t mind paying when I can depend on my agent. Thanks Johnny Blackwell for being there for me and my family.

    Can’t believe Direct wasn’t on this list. The one on White Bridge Pk in Nashville is the BEST. Great customer service!

    Worst insurance company. Never get insurance with them.

    First time getting this insurance so far it’s been good!

    Best Car Battery Brands on the Market, best auto battery.#Best #auto #battery


    Best Car Battery Brands on the Market

    Finding the best car battery to suit your vehicle and needs can be quite a challenging task. There are many types of battery all claiming to be the best in their field with performance. Clearly some batteries are better than others but most people do not know how to choose. Many people make their decisions based on prices, and in the current economical climate that is not a bad decision. However, there are some batteries which will appear cheaper initially, but will not have the staying power of a battery which has a slightly higher price, but better quality.

    Duralast has a reputation of producing batteries with an extremely high level of dependability. These are probably the closest you could ever buy to a tailor made battery. They produce regional batteries which can cope with extremely cold conditions and is not something most other manufacturers have caught onto yet. The batteries they have designed for the northern region are capable of packing a punch in extremely harsh temperatures, and batteries designed for use in the southern regions are resistant to heat for the climate. One could easily conclude that the name is a combination of durable and lasting. They are currently only for sale in AutoZone stores, but they are countrywide, so you should have no issues finding one near you.

    Most have heard and seen the name Energizer. They are synonymous with batteries for your home electronics. Now many people realize they make car batteries too. As with all Energizer batteries, performance and quality is of the essence, and these batteries are no different. They maintain the exceptionally high standard that Energizer is famous for. Currently, they are available at selected Wal-Mart stores in Canada and the USA.

    Diehard is one of the better known car battery brands and have been around since 1967. They have become a popular household brand among car owners. Their wide range of sizes and types of battery cover every vehicle from a small car to a large RV. Similar to Duralast, DieHard also produces regional variations of battery to cope suitably with extremely cold and hot climates. DieHard batteries are available for purchase at Sears Auto Centers.

    EverStart batteries make a battery suited for almost every model of car. If you need a specific battery to fit your vehicle s battery compartment and give you long lasting durability. EverStart is exclusively sold at every Wal-Mart store. Currently, Wal-Mart is offering free testing and installation, providing the store has a Tire Lube Express. The batteries cover ranges for cars, SUV s and trucks, and have had strong car battery reviews from customers.

    Truestart batteries use reserve capacity (RC) technology to provide a clean cut start to your vehicle every time. The RC is quite significant in car battery ratings. Genuine Toyota batteries are maintained and installed by qualified Toyota technicians, and these batteries are available at Toyota dealerships all over the country. Of course, you don t need to own a Toyota to have a TrueStart battery in your car.

    For information on batteries that may cost a bit more, but make up for it in lasting performance, check out CarsDirect s list of the best car battery brands for lasting performance.

    5 Best Car Batteries – Nov, best auto battery.#Best #auto #battery


    Best Car Batteries

    Best auto battery

    The Rolls Royce of car batteries. You pay a lot, but you get what you pay for.

    A powerhouse battery that is suitable for race cars, luxury vehicles, and everything in between.

    On the higher end of the pricing spectrum.

    Best auto battery

    The best of both worlds: a quality battery at a budget price.

    A reputable, low-cost, deep-cycle battery w/exceptional power. Works well in electric vehicles. Withstands extreme temps.

    Does not come with terminals or terminal hardware.

    Best auto battery

    Price is high, quality is high, and frequent recharge is needed.

    A powerful battery of lightweight construction that is suitable for all types of vehicles.

    An expensive AGM battery that needs to be routinely charged for optimal performance.

    Best auto battery

    A reasonably priced model with occasional quality and longevity issues.

    Starts regardless of temperature/weather thanks to exceptional starting burst when engine is cranked.

    A few reports of failed battery life after about a year. Some consumers received batteries that wouldn’t hold a charge.

    Best auto battery

    Customer reviews are mostly positive w/a few exceptions that point to shorter battery life. Superior recharge rate.

    Superior starting power and long-term energy. Fast recharge rate of 4 to 6 hrs.

    Sporadic, anecdotal evidence of battery life that lasts less than one year.

    We purchase every product we review with our own funds — we never accept anything from product manufacturers.

    Note: The above product recommendations were updated August 2017. The products below were our original choices and have yet to be updated.

    Shopping Guide for Best Car Batteries

    Products we Considered

    Best auto battery

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    Dale brings over 40 years of automotive industry experience to the BestReviews table. An avid DIY guy, he has worked with, rebuilt, and led maintenance on a variety of vehicles. He’s also well-versed in fleet management and vehicle operations. Dale’s past experiences include distinguished service as an officer in the US Army.

    Considerations

    The most common type of battery among car owners is the wet/flooded battery. In addition to its generally low price, which ranges from $50 to several hundred dollars, the wet/flooded battery appeals to buyers because it is maintenance-free and sealed. Calcium/calcium batteries help minimize the amount of fluid loss. VRLA (Valve-Regulated Lead Acid) batteries consist of gel batteries which are decent for starting cars. AGM (Absorbed Glass Mat) batteries are excellent for starting cars. Other options include the deep-cycle battery, which is suitable for electric vehicles, and the lithium ion battery, designed primarily for electric vehicles and some high-performance and limited-edition cars.

    Understanding common car battery terminology makes it easier to determine how well a specific battery may perform. Terms to watch out for when researching batteries include “cold cranking amps,” “reserve capacity,” and “group size.” Cold cranking amps (CCA) is a measure of how well the battery will start in cold weather. The size of the battery you’re considering should be at least equal the original equipment manufacturer (OEM)’s cranking rate. Reserve capacity refers to the amount of time the car can run on just the battery if the alternator fails. Group size refers to the dimensions of the battery and the location of its power terminals. A car’s specific group size depends on its make and model.

    Many consumers appreciate the maintenace-free aspect of the sealed battery, which requires no checking or refilling of electrolytes. Warranty is an important feature, and it’s always a smart idea to ask about a free replacement period. If you plan on installing the battery yourself, a carrying handle is another useful feature.

    Battery prices range from under $100 to over $300. The majority of car owners can expect to pay somewhere between $100 to $200 for a quality battery. Batteries designed for luxury cars and electric vehicles tend to cost more their traditional counterparts. When considering how much a battery will cost, don’t forget to factor in installation fees and recycling costs.

    Best auto battery, best auto battery.#Best #auto #battery


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    We have both for you! Help lengthen the life of your battery the healthy way by charging and maintaining your battery!

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    Cars, Trucks, ATVs, Motorcycles, Golf Carts, Watercraft, and much more! We have the battery for your needs!

    Not only will we recycle lead- acid automotive batteries as well as motorcycles and SLA, but we’ll also pay you cash for them!

    The things you might’ve never known! FAQs for you and your battery needs!

    5 Best Navigation Systems – Nov, best auto gps.#Best #auto #gps


    Best Navigation Systems

    Best auto gps

    A large-screen GPS with all the bells and whistles. The very best GPS product on the market today.

    Seven-inch touch screen. Optional voice activation. May be linked to cellphone via Bluetooth.

    Some users may prefer a smaller screen, but we found it to be just the right size.

    Best auto gps

    An excellent entry-level device from a reputable company. The best deal for the lowest price.

    Clear, responsive screen. Easy mount (via suction cup). Highly reputable maps.

    Only covers the lower 49 states. Maps for other regions must be purchased separately.

    Best auto gps

    It’s technically advanced and Driver Alerts are a tremendous bonus, but minor glitches make the previous Nüvi models a better value.

    Extensive feature set includes school zone, red light, and speed camera warnings.

    Not all “new” ideas are improvements. Map updates can be frustratingly slow to load.

    Best auto gps

    Fast signal acquisition and excellent accuracy, but some owners feel the learning curve is steeper than it should be.

    3D images provide a more recognizable “real world” view. Touch and voice controls work well.

    Must link to smartphone for traffic data, but not all phones are compatible.

    Best auto gps

    A high-quality GPS system from a European manufacturer. Voice recognition is one of its major benefits.

    Hands-free voice recognition. Night-driving mode offers clarity in the dark.

    Suction cup cannot be removed. Screen may appear washed out in daylight.

    We purchase every product we review with our own funds — we never accept anything from product manufacturers.

    Shopping Guide For Best Navigation Systems

    Almost every smartphone can act as a GPS, but there are definite advantages to having a dedicated dash- or window-mounted navigation device for your car. Not only do they deliver valuable, focused information, they also have features designed to make your journey safer. Best of all, they re very affordable. But how do you know which of the dozens of models on the market is right for you?

    The BestReviews team thrives on this kind of question. Through independent, in-depth research, we find answers that help you make the right decision when it s time to buy. You can trust us because we don t accept products directly from manufacturers. We remain unbiased by purchasing the same products available to you, straight off the shelf.

    After extensive testing out on the road and in our own lab, our product specialists selected the five models above for their market-leading performance and competitive prices. If you re ready to buy a GPS for your car, these are the products that meet our standards.

    You ll notice we only featured two manufacturers, and that s unusual for us. However, these two companies provide all the leading products. For a better understanding of features of navigation systems, read the shopping guide below.

    Best Navigation Systems – Consumer Reviews, best auto gps.#Best #auto #gps


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    Garmin nüvi 2797LMT 7-Inch Portable Bluetoot.

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    Magellan RoadMate 9400-LM 7-Inch GPS Navigator

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    TomTom VIA 1535TM 5-Inch Bluetooth GPS Navigator

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    Garmin nüvi 2557LMT 5-Inch Portable Vehicle GPS

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    Garmin nüvi 52LM 5-Inch Portable Vehicle GPS with.

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    Best used cars, best used cars.#Best #used #cars


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    Welcome to the Best Buy Used Cars website. We are ready to help the greater Grand Rapids area, Holland, Muskegon, the lake shore, and all of West Michigan find their next vehicle. Best Buy Used Cars has served the transportation needs of West Michigan for over thirty years. We pride ourselves on our long-standing tradition of excellence. Our focus each day is on providing the highest quality service to our customers while promoting the well-being of our employees and community. Whether this is your first Best Buy Used Cars experience, or you have been one of our loyal clients for many years, our Used Car Sales team members are dedicated to delivering a world-class experience. We strive to build our business around our customers because we truly believe that they are integral to our success. We would love to meet you in person at our dealership conveniently located in Grand Rapids, Michigan.

    You have found one of Michigan’s highest volume independent used car dealers. We sell over 1200 vehicles a year, including all makes, models, and styles. Best Buy Used Cars can meet all of your automotive needs with our team of experts to guide you through every stage of ownership – whether you need help finding the perfect used car, securing financing, or trading in your vehicle. We are here to get you the vehicle you want.

    Best Buy Used Cars understands how important your time and money are, which is why we work hard to get you back on the road. We know that you have high expectations, and as a used car dealer in West Michigan, we enjoy the challenge of meeting and exceeding those standards each and every time. Allow us to demonstrate our commitment to excellence and to earn your business.

    Our experienced sales staff is eager to share its knowledge and enthusiasm with you. We encourage you to browse our online inventory and investigate Best Buy financing options. You can also request more information about a vehicle using our online form or by giving us a call.

    Best Buy Used Cars in Grand Rapids, MI

    Are you looking for used cars in Grand Rapids? Our store in Grand Rapids, MI is the place to go for all of your Best Buy auto sales needs. We have an extensive collection of used cars in Grand Rapids that are perfect for your daily Michigan commute, your weekend drives, your family outings to the beach, or your weekend racer. Regardless of your lifestyle, Best Buy Used Cars has the perfect vehicle for you. Make your move and see what we can do for you.

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    Used Cars in West Michigan

    If you are looking for used cars for sale in West Michigan, Best Buy Used Cars is the place to look. Our car dealership in Grand Rapids, MI offers a wide range of vehicles to choose from. At Best Buy Used Cars, we also have a great selection of used trucks Grand Rapids, MI. Shop online with our easy to use website or stop in to our dealership in Grand Rapids, MI.

    Used Cars in Kentwood

    We are the leading used car dealership near Kentwood, MI. If you need used vehicles in Kentwood, visit us first. We are also the leader for used trucks in Kentwood and used SUV’s near Kentwood. Best Buy Used Cars has proudly supported Kentwood for over thirty years!

    Used Cars Holland, MI

    If you are looking for used cars for sale in Holland, MI, make us your first stop. At Best Buy Used Cars, we also have a great selection of used trucks in Holland, MI. Our used car dealership near Holland, MI makes it easy to find the right car for your needs. We offer a wide range of vehicles to choose from. Shop online with Best Buy Used Cars then stop into our used car dealership near Holland, MI.

    Used Cars Muskegon

    If you are looking for used cars for sale in Muskegon, stop in and see what Best Buy Used Cars has for you. You can shop online with our easy to use website, then stop into our used car dealerships near Muskegon. We are just a short drive from Muskegon and offer many different used cars to choose from. At Best Buy Used Cars, we also have a great selection of classic used cars near Muskegon.

    Best Buy Used Cars Dealerships serving Michigan

    Best Buy Used Cars is conveniently located just a short drive from any Grand Rapids, Holland, or Muskegon neighborhood. Our Used Cars in Michigan and classic cars for sale are worth the short drive, just to have a better experience.

    Which Used Hybrids Are The Best Bet, best used cars.#Best #used #cars


    Photo Gallery

    Best used cars

    Buying a used hybrid comes with the same pros and cons as buying a used regular internal combustion-powered car, but – you might say – is that really true?

    Given that hybrids have two powertrains merged into one, theoretically there is “more to go wrong,” but in fact, many hybrids have proven to be as trouble-free as conventional counterparts, if not better in cases.

    “Hybrids are doing very well compared to traditional gasoline powered vehicles,” said Renee Stephens, vice president of Automotive Quality Research at J.D. Power and Associates last December. “On average, a hybrid sees about 99 problems per 100 vehicles, compared to gas vehicles’ which have a rating of 133 problems per 100 vehicles.”

    Of course there are exceptions, and we’d advise avoiding certain hybrids that came and went or that did not provide significant advantages over same-class conventional models.

    Examples of these would be Nissan’s Pathfinder Hybrid and Infiniti QX60 Hybrid which did not significantly out-do conventional counterparts, and came and went. Similarly, BMW’s ActiveHybrids did not provide significantly better mileage but did cost more.

    Anita Lam of Consumer Reports’ Automotive Data team also said Ford C-Max Hybrid reliability has been 80 percent below the average for new vehicles. The Ford Fusion Hybrid also was reported as below average expected reliability, though we have not seen much adverse reporting on these otherwise efficient cars.

    Further, while most hybrid batteries have proven very robust, notable exceptions were 2006-2011 Honda Civic hybrids which came with nickel-metal-hydride batteries.

    “The Civic Hybrid, which has been a reliable car overall in most years, has a big problem with its drive battery,” said Consumer Reports in March 2013. “The 2009 model was the worst: Almost one in five owners needed a replacement hybrid battery in our 12-month survey period.”

    More than 10 percent of owners of the 2003, 2004, and 2010 models also needed a battery, added the publication.

    More-recent examples of Civic IMA hybrids with a lithium-ion battery however have proven to be a better bet.

    Beyond those caveats, checking reliability records, such as with Consumer Reports, and other relevant variables is always a good idea, and CR does otherwise recommend buying used, assuming you do your homework.

    Why? A new car loses on average 27 percent of its value the first year, and the biggest depreciation happens after two or three years. Given hybrids do tend to cost more than regular counterparts, letting someone else take that impact can be a savvy move on your part.

    Those are pros. On the con side, every new car is like a snowflake – no two are exactly alike with different condition, mileage and age since purchased. As such, if buying used from a dealer, it may be tough or impossible to determine exactly how much markup you are paying over what the dealer bought it for.

    It’s more of a free-market environment, but not necessarily reason to avoid it altogether.

    One more qualification is in order too: Our list names hybrids known to have held up on average, but there are always exceptions.

    Because Toyota is most committed to full hybrid vehicles, with 69 percent of U.S. market share, its vehicles do dominate the list, but other reliable used hybrids may also be out there.

    2010-2013 Toyota Prius

    Best used cars

    The third-generation Prius is one of the most proven hybrids, having evolved since 1997 when it was first introduced in Japan.

    Using Toyota’s “Hybrid Synergy Drive” full hybrid powertrain, it merges electrc motor power with a 1.8-liter Atkinson-cycle engine for 50 mpg.

    Owners have reported both making the number and not, which possibly speaks to individual driving styles and conditions.

    The vehicle gets high marks for reliability, and Consumer Reports’ likes it so much, it recommends a used Prius Liftback – as the regular Prius is called – over a new Prius c, though we would not go that far, and like the Prius c too

    We’re recommending up to 2013 because more depreciation may have set in, but 2014 and 2015 models are good too, if you find a deal you can live with.

    2012-2013 Honda Civic Hybrid

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    Upgraded with a lithium-ion battery, the 44 mpg Civic Hybrid is visually indistinguishable from the regular Civic sedan except for some hybrid-specific design cues and badging.

    As a fuel saver, its Integrated Motor Assist is not as advanced as the Toyota’s full hybrid architecture, but the system is relatively effective and was first seen in the original 2000 Insight released slightly before Toyota’s Prius – so the Honda, too, has a pedigree.

    The vehicle is a premium trim level however, so bells and whistles should be on your list, otherwise you can possibly get a better deal on a more modestly equipped vehicle.

    We’re recommending up to 2013 because more depreciation may have set in, but 2014 and 2015 models are good too, if you find a deal you can live with.

    2012-2013 Toyota Camry Hybrid

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    An excellent car, the almost fully revised 2015 model retained 2012’s powertrain unchanged along with its 40/41 mpg combined rating (depending on LE or XLE trim).

    Toyota’s Camry has been a best seller for the past several years because of the reliability record, and because it is such a clear mpg improvement over the 28 mpg four-cylinder counterpart.

    It has 200 horsepower, 0-60 in the mid 7s, thus plenty peppy, and the extra 12-13 mpg is icing on the cake.

    We’re recommending up to 2013 because more depreciation may have set in, but 2014 and 2015 models are good too, if you find a deal you can live with.

    2014 Honda Accord Hybrid*

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    *This is a relatively new car, but represents the vanguard of Honda’s newest hybrid system architecture, and is nearly a modern marvel.

    It is a full hybrid, and more Hondas in due time may receive this system as it performs better than any other hybrid system in this vehicle class.

    The on-the-large-side midsized sedan nets an amazing 47 mpg combined, 50 city, 45 highway, with just shy of 200 horsepower and all comforts.

    Whether you can find one suitably priced is another question, but we are putting this one on the list in case you can.

    2009-2010 Toyota Highlander Hybrid

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    The 2009 model is specifically named by Consumer Reports as a potential top pick, so we’re passing it along, but later models may also be a reasonable bet.

    As a larger four-wheel-drive SUV, with 3.3-liter full hybrid system, its mpg is lower than the cars on the list, at 26 combined, 27 city, 25 highway.

    After 2011, a 3.5-liter engine was fitted along with revised styling and fuel economy went up by 2 mpg.

    Others

    Best used cars

    The hybrid market has been established more that the plug-in hybrid or all-electric market has, and one indicator is what is selling as reported on the HybridCars.com Dashboard.

    Published monthly, this U.S. alternative-energy car sales chart is used by the U.S. DOT, the Electric Drive Transportation Association (EDTA), others, and is commonly cited as an accurate report of sales numbers.

    Other top sellers, not surprisingly, include the Toyota Prius c and Prius v, most Lexus models, but also not to be overlooked are the 2013-later Honda CR-Z, Hyundai Sonata Hybrid, and even 2014-later Subaru Crosstrek Hybrid, which has scored well in reliability.

    Related Readings

    Best used cars

    Best car leasing deals 2017, Auto Express, best auto lease deals.#Best #auto #lease #deals


    Best car leasing deals 2017

    Best auto lease deals

    Car leasing can be a cheaper way of driving around in a new motor, so we’ve picked out some of the best car leasing deals available

    If you want to drive a new car without the worry or hassle of a large final payment at the end of the contract, then you need to think about car leasing. Leasing a car is usually a lot less hassle than a PCP deal and, it also normally has the added bonus of coming with lower monthly payments. More and more people are now taking out car leasing deals as, even though you will never actually own the car, you can simply hand it back at the end of the contract and take out a new deal all over again.

    Competition between manufacturers is intense, meaning there are more and more new car deals and offers coming onto the market. There are no shortage of PCP (Personal Contract Purchase) and HP (Hire Purchase) deals, but personal car leasing is also more popular than ever. Leasing is certainly no longer just the domain of business users.

    Personal Contract Hire (otherwise known as personal leasing) works in the same way as the many Business Contract Hire offers available, except VAT is included. You pay an advanced rental payment or deposit, select your annual mileage and then pay a flat monthly fee for the duration of your agreement. When your contract ends, you hand the car back.

    In addition to the cheaper monthly payments, car leasing often includes many other benefits, including car tax, breakdown cover, car maintenance and tyre repair and replacement.

    So if you’re thinking of heading down the car leasing route, we’re here to help. We’ve rounded up the best car leasing deals available at the moment here on this page. Most car companies will offer car leasing deals but many, such as Fiat, Hyundai, Jaguar, Kia, Mazda and SEAT, ask customers to contact their local dealer to get the best offers.

    However, the likes of Audi, BMW, Ford, Mercedes, MINI, Vauxhall, Volkswagen and Volvo do publish deals directly and you can find their best car leasing offers of the moment in the menu to the top left of this page or by clicking the links in the list at the bottom.

    Below you’ll also find a list of car leasing deals provided by a range of brokers including our sister site BuyaCar.co.uk. Scroll down for our list of the best car leasing deals out there right now.

    Best car leasing deals on the market now

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    Car Leasing and Contract Hire from Auto Choices

    Check out our current best car leasing deals below!

    Best auto lease deals

    Jaguar E PACE 2.0d 2WD 5 Door

    Business: 275.00 exc VAT

    Personal: 325.00 inc VAT

    Best auto lease deals

    Kia Stonic 1.4 2 ISG

    Business: 159.00 exc VAT

    Personal: 190.80 inc VAT

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    Mini Countryman PHEV SE Automatic ELECTRIC HYBRID

    Business: 226.00 exc VAT

    Personal: TBA inc VAT

    Best auto lease deals

    Smart ForTwo Coupe Prime Premium ELECTRIC

    Business: 188.38 exc VAT

    Personal: 226.06 inc VAT

    Best auto lease deals

    Fiat 500 1.2 POP

    Business: 114.00 exc VAT

    Personal: 136.80 inc VAT

    Best auto lease deals

    BMW 420i M Sport Gran CoupГ© Automatic

    Business: 203.00 exc VAT

    Personal: CALL inc VAT

    Best auto lease deals

    Mercedes B180d SPORT

    Business: 168.22 exc VAT

    Personal: 201.87 inc VAT

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    BMW 320d SPORT Touring (Pre-Registered)

    Business: 276.61 exc VAT

    Personal: 331.91 inc VAT

    Best auto lease deals

    VW Golf 1.6 TDi SE (Nav) 5 Door

    Business: 169.99 exc VAT

    Personal: 203.99 inc VAT

    Best auto lease deals

    Mercedes C220d SE AUTOMATIC Saloon

    Business: 230.24 exc VAT

    Personal: 276.29 inc VAT

    Best auto lease deals

    VW Tiguan 2.0TDi SE NAV

    Business: 199.99 exc VAT

    Personal: 239.99 inc VAT

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    Range Rover VELAR D180 Automatic AVAILABLE NOW

    Business: 440.00 exc VAT

    Personal: 535.00 inc VAT

    Best auto lease deals

    Mercedes SLC180p AMG LINE Roadster

    Business: 197.12 exc VAT

    Personal: 238.55 inc VAT

    Best auto lease deals

    Citroen DS3 82PT CONNECTED CHIC

    Business: 124.99 exc VAT

    Personal: 149.99 inc VAT

    Best auto lease deals

    Mercedes E200d SE Saloon 9G TRONIC Automatic

    Business: 239.99 exc VAT

    Personal: 287.99 inc VAT

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    VW Golf R 310ps 5 Door

    Business: 278.15 exc VAT

    Personal: 333.78 inc VAT

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    VW Arteon 2.0TSi Elegance DSG Automatic

    Business: 205.99 exc VAT

    Personal: 247.99 inc VAT

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    SEAT Ateca 1.0TSi SE TEC

    Business: 178.08 exc VAT

    Personal: 213.70 inc VAT

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    Mercedes A160p SE Hatchback

    Business: 158.33 exc VAT

    Personal: 190.00 inc VAT

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    Skoda Octavia 2.0TDi 245ps vRS Estate DSG Automatic

    Business: 207.32 exc VAT

    Personal: 248.79 inc VAT

    Best auto lease deals

    Mercedes C200p AMG LINE Coupe AUTOMATIC

    Business: 269.99 exc VAT

    Personal: 323.99 inc VAT

    Best auto lease deals

    Smart ForTwo PURE Coupe

    Business: 105.21 exc VAT

    Personal: 126.26 inc VAT

    Best auto lease deals

    Audi S5 QUATTRO Sportback

    Business: 408.79 exc VAT

    Personal: 490.55 inc VAT

    Best auto lease deals

    BMW 218i Sport Coupe

    Business: 121.45 exc VAT

    Personal: N/A inc VAT

    Here at Auto Choices we can offer great deals on car leasing prices for the major and prestige car manufacturers.

    • Business and Private leasing / contract hire customers are very welcome
    • Pick a financial package to suit your needs; Personal Contract Hire or Business Contract Hire
    • Optional car maintenance available, including tyres and repairs allowing you to ‘fix’ your monthly motoring costs
    • You can choose variable contract and mileage terms
    • Flexible personal and business car leasing options and payment plans

    If you are looking to lease a prestige car such as Audi, BMW, Mercedes, VW and more, at a great price, you have come to the right place!

    Looking for van leasing offers instead? Visit our van leasing website, click here

    Auto Choices Ltd is authorised and regulated by the Financial Conducy Authority. FCA No 620962. VAT No: 758 1117 29. Disclaimer: The images shown on this site are for illustration purposes only and do not always relate to the car leasing offer shown. Furthermore, the prices shown on this website are for information purposes only and do not constitute an offer by Auto Choices Ltd capable of an acceptance by you. E OE.

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    Best Auto Insurance Companies, best auto insurance.#Best #auto #insurance


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    Get the Best Car Insurance Rates, best auto insurance.#Best #auto #insurance


    Get the Best Car Insurance Rates

    Get the Best Car Insurance Rates

    Everyone knows you should carefully shop around when buying a car, but all too many drivers neglect to purchase insurance with the same level of care. Failing to thoroughly comparison-shop can leave you paying more than you need to for coverage, and far from getting the best car insurance coverage for your needs.

    Below are tips to help you seek out the best insurance coverage at the lowest rate.

    What Is Good Car Insurance?

    Getting cheap car insurance does not necessarily mean you bought the right type or amount of coverage.

    Having “good coverage” means you don’t find yourself paying significant amounts of money out of pocket after an accident.

    When you have found the right insurance provider:

    • You’ll feel assured that you’ll be able to handle the financial costs after an accident.
    • You’ll feel comfortable knowing you’re not overpaying for your car insurance.

    Comparison-shopping for car insurance can help you make sure you’ve picked the right insurance coverage.

    Deciding on the Best Insurance Coverage

    You need car insurance to comply with state laws, to satisfy your lender or leaseholder, and to protect your assets.

    Each state has different financial responsibility laws that dictate the least amount of insurance you must have. However, unless you have very few assets, the smallest amount of insurance is most likely not enough coverage. Talk to your insurance company about how much coverage and what types of optional insurance coverages might be right for you. These typically include:

    • Comprehensive.
    • Collision.
    • Medical payments.
    • Uninsured/underinsured motorist.
    • GAP coverage.
    • Towing and labor.
    • Rental reimbursement.

    NOTE: If you have a loan or lease on your car, it will typically come with coverage requirements. Be sure you understand these when reviewing your loan/lease agreement.

    For more information on what your state requires, please visit our section on state car insurance requirements.

    What if I Have a Loan?

    While commonly believed, it is actually a myth that your car insurance will pay off your loan if your car is totaled. In reality, it will pay the fair market value.

    The fair market value, or actual cash value, is the sales price minus depreciation. A car depreciates at a surprisingly rapid rate. In fact, just driving a car off the lot after purchase decreases its value by an average of 10%. During the first 5 years, the car’s value depreciates by an average of 15% to 25% every year.

    In the event of a serious car accident, you can be left with substantial costs due to normal depreciation. This is where GAP and loan/lease coverage come in.

    To protect yourself from having to pay a loan on a car that no longer functions, you can purchase either:

    • Guaranteed Auto Protection (GAP) insurance – Covers the difference between your insurance payout and what you still owe on your car loan after insurance pays, without any maximum limits.
    • Loan/lease payments coverage – Also covers the gap between what you owe on the car and its current value, but only covers a percentage of your car’s actual cash value in the event of a total loss. This might not be enough to cover the gap between your loan and the cash value.

    Shopping Smart

    Ratings

    Like most consumer purchases, different insurance companies charge different premiums for the same insurance coverage. However, all car insurance companies do not give the same level of service or share the same rankings.

    Insurance companies are given a Best Insurance Ranking provided by the A. M. Best Company. Since 1899, the A.M. Best Company has provided ratings of insurance companies based on their financial stability. The stronger the rating, the more likely the company is able to pay if you file a claim.

    Rankings range from AAA down to D.

    Sales Methods

    Insurance companies use one of three methods to sell their policies.

    1. Exclusive agents: These agents only sell the products of a single insurance carrier.
    2. Independent agents: These agents represent many companies and can give you multiple quotes on car insurance to compare.
    3. Direct market: Sales are usually with one company and completed over the Internet, phone, or by mail.

    All three sales methods have their merits. The most important thing is to get multiple quotes from the insurance companies you feel most comfortable comparing, as insurance rates can fluctuate widely from insurance carrier to insurance carrier.

    What to Notice

    When you compare car insurance companies, you should pay close attention to the following:

    • The premium. This is the monthly cost for your car insurance.
    • Applicable discounts.
      • One company may offer you discounts that others did not.
      • Ask each insurance company you speak with about car insurance discounts for which you may qualify.
    • A. M. Best Rating. This rating indicates the financial strength of an insurance company and their likelihood of paying on your claim.
    • Customer service.
      • Most state insurance departments have lists of complaints against insurance companies. These complaints are frequently referred to as “valid complaints.”
      • The higher the number of complaints or the complaint ratio, the higher the likelihood of the company violating a policy, contract, or statute.

    Doing your research when shopping for car insurance quotes can ensure you get the best rates, great coverage, and stellar customer service. In contrast, neglecting to comparison-shop can leave you with a policy that does little for you in the long run and can hurt financially if you get into an accident. Informed consumers always get the best deal.