Railroad Crossing Commercial from Allstate
You might think that whatever make or model of car you have, auto insurance claims will be similar – and therefore, so will premiums. We all expect to pay more to insure a $200,000 Lamborghini than an ordinary Chevy or Ford sedan because parts are expensive, the car is likely to get stolen, and you are more likely to have an accident driving it fast. But surely the cost on insuring one 4.0 liter four-door sedan is the same as another? Not so. Even among ordinary cars and suvs, all autos are not equal when it comes to auto insurance claims.
The cost of insurance depends on many things such as:
- The likelihood of you having an accident – suvs that do not handle well will generally get a poor rating compared with modern sedans
- The level of injury you are likely to get in an accident – some cars are much better than others
- The cost of repairing the vehicles
The liability cost varies from model to model
These factors are taken into account along with auto insurance claims when the premiujms are set by insurers. So which are the autos to avoid, and which are good? You might expect imports to cost more to insure than cars made in the USA. Not necessarily. For example, Audi and BMW are generally low on the risk of liability in an accident, but the Audi S4 and TT and all BMWs are expensive to repair. Not too many surprises here. Generally, Chryslers are no so good on liability costs, and the Chevy Cobalt, Colorado and Silverado 3500 are pretty bad. The Ford Mustang is also bad, and the Focus and F350 are not good either.
Among the Japanese, Mazda does not rate highly, and Honda generally rates well, but its Ridgeline truck is not so hot. Toyota ranks highly, although the Prius, Tacoma and Tunda are expensive to repair. So you can see that it is not safe to rely on a certain maker, and assume that all its models rate highly.
Check how auto insurance claims affect the cost of insurance
Therefore, before you buy an auto, check out its ranking for crash and repair damage. Actually, the easiest way to do that is get some quotes from leading insurers, as auto insurance claims are taken into account in deciding the premiums they charge. This way you will be able to find what you need to buy a good price.
What you want here is to get all the quotes for the autos you are thinking of buying at one place. I have found that that best place to do this is at a site where you just key in the details, and up come quotes from many insurers. This solves two problems – you find which is the best auto, and which company offers the best price.
Watch the video related to safe auto insurance
Dennis Haysbert explains that Allstate thinks your car insurance deductable should shrink each year you drive safely. … Safe Driver Bonus Commercials Dennis Haysbert Good Hands Car Auto Insurance Allstate Railroad Crossing
Help answer the question about safe auto insurance
Florida Auto Insurance Quotes Online, are they really safe?Florida residents do you really think entering all your valuable personal information online for an auto insurance quote is really the safe way to obtain auto insurance?
A local personalized auto insurance agent who you can pick up the phone and call or stop by their office sounds so much safer and personal.
About Author
John Hartley has been writing about cars and the auto industry for many years and you can discover how to compare auto insurance rates and get the best rates at Auto Insurance.
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Posted by American Car Insurance on December 6th, 2008 filed in Auto insurance | 10 Comments »
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10 Responses to “Railroad Crossing Commercial from Allstate”
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December 6th, 2008 at 7:06 am
ITS DAVID PALMER!
December 6th, 2008 at 7:13 am
I went to their web site, it doesn't look like they have a Memphis office to me. I also checked the business listings in Memphis, no SafeAuto Insurance.
Most of those places do business over the phone & by mail, and don't have a physical office in every state.
December 6th, 2008 at 7:15 am
Hello Beth,
In order to receive an accurate quote for auto insurance personal information such as address, date of birth, drivers license number, and social security number are required. This is exactly the information identity thieves need to destroy your financial credibility. Another concern is unwanted solicitors contacting you. It is completely unnecessary to receive an accurate quote for your car insurance by submitting this information online. It does indeed make perfect sense to make contact with an insurance agent in person or on the telephone.
When contacting an agent in person or on the phone be sure and ask a few questions of your own, such as, how long they have been in business, and how will they safeguard your personal information. If you don't like the answers say thanks and hang up. If your reasonably confident with the person your speaking to then proceed. Another benefit of speaking with a "live" agent is your ability to ask questions and receive professional advice.
December 6th, 2008 at 7:23 am
Not personally, but I wouldn't be surprised if they were problematic. Their ads are targeted to "getting you covered with monthly payments" and not much else. I can't seem to find a rating for them, so I can only assume they are either unrated, or are acting as independent agents using several other companies, and taking their 'cut' off the top.
December 6th, 2008 at 5:56 pm
Stick with the major carriers websites. Avoid web sites not associated with a major carrier that offer comparative quotes. The quotes you receive will be estimates and the result will be that the policy will not be issued at the price that was quoted.
You might also look to be sure you are on a secured site. look for "https" in the URL.
P.S. Are you secure in your knowledge of the appropriate coverages. Lots more to auto insurance than price. Speaking of pricing you might also passing up a hefty multi policy discount by shopping your auto insurance apart from your homeowners insurance.
December 7th, 2008 at 2:00 am
maybe"""""
December 7th, 2008 at 7:03 pm
It's ok as long as you are not worried about fixing your car or your medical bills in an accident. Neither are covered with the low policy. You may want to try getting a full coverage quote online. I am paying less than ½ of what I was before.
Go to: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto
Take care,
Casey
December 7th, 2008 at 11:37 pm
Bill J, For car insurance the fastest way to get a cheap quote is do a car policy comparison. Be sure to choose the same coverage levels, you can get an accurate quote to compare against others. Use the same city/state, car make and model, mileage and driving history to ensure you get an apples to apples comparison. To get easy auto insurance quotes, go to http://www.easyautoinsuranceguide.com and you can compare the major auto insurance companies.
December 8th, 2008 at 4:14 am
I am a resident of Miami Florida and I can tell you first hand to be very careful entering any private information online. I have recently had my Identity stolen from entering my personal information which had to include my social security number for a free online auto insurance quote. Never again will I so easily be swayed to enter my personal information into the world wide web for all to see. My thoughts, there are people who can hack into anywhere online, do yourself a favor and try to limit the information you submit onto the web.
I now currently have my florida auto insurance with Florida Auto Plus Insurance out of Miami Florida 1-877-WIZ-AUTO
They have been awarded Top Auto Insurance Agency in Florida.
Check them out at http://www.FloridaAutoPlusInsurance.com
Beth do yourself a favor and which ever company you choose to purchase your Florida Auto Insurance from just be sure you speak with a knowledgable auto agent who can fully assist you in purchasing only the insurance that fits your individual needs.
December 9th, 2008 at 1:05 pm
Googling "city general insurance" seems to suggest that it operates only in Bangladesh! You don't say where you live, but if you're in Bangladesh, it might be OK; elsewhere I'd suggest a company you've heard of, or one recommended by friends.