There may come a point in your life when you will have to cancel your auto insurance policy. Whether it’s due to high costs, no longer owning a car, moving to another area (where maybe your carrier doesn’t cover the country or state you’re relocating to), or you prefer another carrier, cancelling your auto insurance policy has to be done correctly. You can cancel at any time, but if it isn’t done properly, you may end up paying for it.
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Consequences of not properly canceling your auto insurance policy:
Simply ceasing payment on your auto insurance policy and not contacting your insurance company will cause your carrier to take it upon themselves to cancel your policy. Downside? The failure to pay your policy’s premiums on time will go on your credit report. And it’ll make it harder for you to find another carrier to insure you. If you are looking to save money on car insurance, compare up to five quotes right now through our site and see if you can find a lower rate.
What to do:
In case you’ve never cancelled an auto insurance policy before or need a refresher course, here is our guide to properly cancelling your auto insurance policy:
1. Contact your insurance carrier
Call your insurance agent or company and give them notice that you would like to cancel your policy with them (you may just have to contact your carrier’s customer service center). Your agent will send you a cancellation-request form. Review it, sign it and send it back to your agent. Be sure, when you’ve contacted your carrier, to let them know the date that you would like to cancel your policy.
2. Go with the flow
Each insurance company will handle policy cancellations their own way. Ask your agent what their cancellation procedure is. The quickest way for you to be done with your auto insurance policy and your carrier is to follow your carrier’s established cancellation protocol.
3. Ask for a refund
If you paid your annual premium at once, up front, and are now choosing to cancel your auto insurance policy before the year is up, you may have a refund coming your way. But your insurance company may not be required to give it back; be sure to ask your insurance agent. If you are entitled to a refund, a check refund will be sent to you in the mail.
4. Line up a new policy
If the reason you are cancelling your policy is because you simply want to switch to another carrier, than be sure you have a new auto insurance policy in place before cancelling the old one; otherwise, do not drive your car on the road until you obtain the new policy. It is illegal in most states to drive a car without auto insurance. To find an affordable policy, search online for car insurance quotes. Compare several car insurance quotes to find the best coverage.
5. Contact the DMV
Ask your car insurance agent if you are required to contact the DMV to notify them of a change in insurance carriers. Some states require you to do this; if so, you may have to turn in your car’s plates and tags.
Find affordable policies with car insurance quotes
If the reason you would like to cancel your auto insurance policy is because it has ceased to fit within your budget, there are still options available to you. To find more affordable policies, shop for car insurance quotes online through our simple quote forms and compare new policies in minutes. Insurance agents can be in touch with you within the day (sometimes, within the same hour as your search!) to offer you’re their best rates and car insurance quotes. Searching for car insurance quotes online only takes about five minutes.
Kamis, 10 Juni 2010
Rabu, 14 April 2010
Modified Car Insurance
Finding car insurance for modified cars can be difficult as generally insurers frown on any changes you make to a vehicle.
Modifying a vehicle presents more risk to a car insurance company than a sports car or an imported car because the modifications made may be unorthodox and a potential hazard. Peripheral changes such as the addition of alloy wheels may go unpunished by insurers, but even these small alterations could be viewed as making your car more desirable to thieves and enhancing your claim risk.
When looking for modified car insurance remember, anything that adds value to your car such as new bumpers, spoilers, exhausts and changing or lowering the suspension will usually be reviewed on a case-by-case basis.
However, if you enhance the vehicle's engine and performance you will almost certainly receive a higher modified car insurance premium due to the risk that you will be travelling at higher speeds.
Get a new car insurance quote now
How to keep costs of modified car insurance down
Generally, you will pay more for car insurance if the vehicle has been modified, than you would to insure a conventional car but you can still limit this expense. Firstly, don't go too far with your modifications - remember each one will likely increase your premium, so keep changes to a minimum. However, you should always declare any changes you've made to the spec to an insurer or you risk invalidating a claim.
Shop around and gather as many modified car insurance quotes as possible. Use a comparison website and also look into specialists, which may be able to offer cheap modified car insurance as well as a number of unique discounts and options such as track day cover and owners' club membership bonuses. Many specialist insurers will also offer you an agreed valuation of your car so you know the exact amount you are covered for.
Steps to save money on modified car insurance
You should follow the same steps with a modified car as you would with a conventional car to save money on car insurance. These can include parking in a garage at night, fitting a car alarm and immobiliser, driving safely to build up a no-claims discount and avoiding driving convictions.
For additional savings, consider agreeing to a mileage limit if you use the car infrequently and see if your insurer offers a discount if you complete an advanced driver's course. Include locking wheel nuts on alloys and look into raising your voluntary excess to a level you can comfortably afford.
Modifying a vehicle presents more risk to a car insurance company than a sports car or an imported car because the modifications made may be unorthodox and a potential hazard. Peripheral changes such as the addition of alloy wheels may go unpunished by insurers, but even these small alterations could be viewed as making your car more desirable to thieves and enhancing your claim risk.
When looking for modified car insurance remember, anything that adds value to your car such as new bumpers, spoilers, exhausts and changing or lowering the suspension will usually be reviewed on a case-by-case basis.
However, if you enhance the vehicle's engine and performance you will almost certainly receive a higher modified car insurance premium due to the risk that you will be travelling at higher speeds.
Get a new car insurance quote now
How to keep costs of modified car insurance down
Generally, you will pay more for car insurance if the vehicle has been modified, than you would to insure a conventional car but you can still limit this expense. Firstly, don't go too far with your modifications - remember each one will likely increase your premium, so keep changes to a minimum. However, you should always declare any changes you've made to the spec to an insurer or you risk invalidating a claim.
Shop around and gather as many modified car insurance quotes as possible. Use a comparison website and also look into specialists, which may be able to offer cheap modified car insurance as well as a number of unique discounts and options such as track day cover and owners' club membership bonuses. Many specialist insurers will also offer you an agreed valuation of your car so you know the exact amount you are covered for.
Steps to save money on modified car insurance
You should follow the same steps with a modified car as you would with a conventional car to save money on car insurance. These can include parking in a garage at night, fitting a car alarm and immobiliser, driving safely to build up a no-claims discount and avoiding driving convictions.
For additional savings, consider agreeing to a mileage limit if you use the car infrequently and see if your insurer offers a discount if you complete an advanced driver's course. Include locking wheel nuts on alloys and look into raising your voluntary excess to a level you can comfortably afford.
Minggu, 11 April 2010
You Can Save Big With Our Auto Insurance Discounts
You Can Save Big With Our Auto Insurance Discounts
Combine Your Home and Auto Insurance
One way you could potentially increase savings on your home and auto insurance is to bring both policies into the same company with Allstate. If both types of policies are available in your state, you might quality for Allstate's Multiple Policy Discount.
Help Keep Your Costs Low
Auto insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.
With a policy from Allstate, you can help keep your auto insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an auto insurance quote.
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Premier Discount
If you've got a clean driving record (no accidents, no violations) during the past 3 years, you could get rewarded with a lower rate.
Premier Plus Discount
As an extra bonus for drivers with no accidents or violations during the last 5 years, Allstate may knock even more off your auto insurance rate than Premier.
Defensive Driver Discount
You could save on your premiums if you choose to take a state-approved defensive driving class. Court-mandated classes do not qualify for a discount.
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Passive Restraint Systems
Your rate might be lower if your car came equipped with safety features like airbags or factory-installed motorized seatbelts.
Anti-Lock Brakes
You can also help lower your premiums if your car has factory-installed ABS (all-wheel, anti-lock braking system).
Anti-Theft Devices
By protecting your car from thieves or vandals, Allstate can help protect you from paying more every month.
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Multiple Policy Discount
If you have property insurance with Allstate, you may qualify for Allstate's Multiple Policy Discount to lower your auto insurance premiums by as much as 10%.
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Good Student
If you're younger than 25 years old, single and a full-time student who meets our GPA requirements, you could be eligible for this valuable discount.
Senior Adult
If you're 65 or older, and you drive more than a quarter of your car's total mileage, this discount can reduce the cost of your Personal Injury Protection (PIP) coverage.
55 and Retired
The name says it all: if you're at least 55 and retired, you could save on your auto insurance rate.
New Car
Did you take advantage of the many dealership discounts recently offered for new cars? It’s not too late to see if that brand new, never-been-titled car you just bought might save you even more money.
Economy Car
In addition to possibly being a bit more friendly to the environment, you also may be able to save more than just gas and space if you own an economy car. Contact your Allstate agent.
Utility Vehicle
If you drive a specific type of pick-up truck, this discount could apply to your auto insurance.
Resident Student
If you carry coverage for a student who's under 21 and lives at a school that's more than 100 miles away from where the vehicle is garaged, you could save valuable cash on your premiums.
Farm or Ranch Vehicle
If you're a full-time farmer or rancher, and you're insuring a farm or ranch vehicle used exclusively for work on your property, this bonus could help keep your costs down.
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To see how many discounts you qualify for, start an auto insurance quote online now. You can also talk to your local Allstate agent or simply call 1-866-621-6900 to talk to a licensed insurance professional by phone.
* Please see the disclaimers below.
The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.
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