Price and Quality: Car Insurance Company Comparison

One place to start researching when doing a car insurance company comparison is to go to the state’s department of insurance where there will usually be a listing of the different car insurance companies along with the customer complaints ratio that have been launched against that company. It is also useful to check the same companies on other state’s websites as well since a company might be doing fine in one state because they do not have as many customers there, but are horrible in another state and individuals need to be aware of any problems.

Another place to research a car insurance company comparison is to go to J.D. Power’s Consumer Center. This company does research on the different car insurance companies and collects data from their customers on all aspects of how the company does business. In this way they can give the companies marks on how well they do in customer service, handling claims, and the pricing for the different plans according to the research from their customers.

There are also financial ratings on the different car insurance companies, comparing their strength in the market today. This helps to give the individual comfort knowing that the company indeed has enough money to pay out on a claim, rather than resisting it because the company itself is in financial trouble. These ratings can be found at A.M. Best or Standard & Poor’s. Another place to find out information from a knowledgeable source is to work with an insurance agent, usually one that is an independent agent who will sell policies for many different companies rather than just one. That way the agent is more apt to give unbiased information regarding the strengths and weaknesses of the different companies so that the individual can get a better car insurance company comparison. One other place to gather information from an unbiased source is from a body shop, since they have to deal with car insurance companies and their customers on regular basis and are familiar with the complaints that come with each company.

Things to Consider When You Compare Car Insurance Quotes

If you’re in the market for car insurance, you know that rates vary depending on where you get your quote. Some charge more for one thing – like being a male under 25 years of age who is unmarried, for example. Others pull your credit report – which can affect rates positively or negatively, depending on your financial history. It is important to compare car insurance quotes, rather than just pick one at random, or because it is cheap car insurance.

For some companies, you can get a quote online for free. This quote often does not take into account specifics of your situation, but it can be a good place to start. When you actually buy the policy, the rate can change once they discover, for example, that you have a teenage son you thought you could just leave off your policy – most insurers won’t let you do that, since he is a potential driver of the car.

For other companies, you will need to either call or sit down with an agent in his or her office. They can explain the various aspects of a policy – liability, comprehensive, collision – so that you know what it is you’re getting. They can also make sure you are being realistic with the coverage you choose. Many people automatically choose the least amount of coverage offered, so that they “have coverage”, not taking into account that the minimal amount is only a drop in the bucket of the amount needed in an average auto accident.

After you have a couple of car insurance quotes in hand, compare them. Not just by price, but by a whole host of other things.

Quality Of Company
First, think about the different companies you’ve got car insurance quotes from. Compare the reputations of the companies. Is there one you trust more than the other? Or one that is known for their excellent customer service, or response to issues? There are sites online that rate car insurance companies by issues such as these – you might consider checking what customers think of them. Also, look at how your payments are made. Do you have to mail them in? Many customers like being able to pay their bill on line, day or night. For them, an online company is more useful. They can also make changes to their coverage whenever they want, and see updated rates instantly.

Apples To Apples
When comparing quotes for car insurance, be sure you’re comparing like coverage. For example, if the ABC Insurance company is giving you an rate of $100 a month and XYZ wants $120, your instinct may be to go with ABC because it costs less. Wait! Read the rest of the quote! If ABC is quoting coverage of 25/50/15, that’s not nearly as good a deal as the XYZ’s quote for 100/300/100. Gotta be sure both companies are quoting the same amount of coverage – otherwise, you might not get the insurance you think you want.

Of course, if all else is equal, consider price. Pricing can vary widely between companies, especially if you are a “harder to insure” customer. If you have had a suspended license, or accidents, or allowed your insurance to lapse for some reason, those things will count against you. The same goes for being a young, inexperienced driver, or for being a young male. How much it counts is up to the individual car insurance company. Compare the quotes. If coverage is the same, some companies will just plain offer you a better rate.

How To Safely Dispose Of Rx Drugs

According to the White House Drug Policy Office, prescription drug abuse among 18 – to 25-year-olds rose 17 percent from 2002 to 2005. In 2004 and again in 2005, there were more new abusers of prescription drugs than new users of any illicit drug.

Young people mistakenly believe prescription drugs are safer than street drugs, doctors say. But accidental prescription drug deaths are rising and students who abuse pills are more likely to drive fast, binge-drink and engage in other dangerous behaviors. Parents should be alert to these signs and changes in behavior.

Al Gore III’s arrest may raise awareness among parents, said Dr. Donald Misch, director of health services at Northwestern University in Evanston. “This is an opportunity for people to understand this is happening in your household,” he said. “These are your kids. The drug dealers they’re going to are their doctors, their parents and their friends.”

Parents should clean out their medicine cabinets and lock up any prescription medications. This is more than likely customary in homes with toddlers but is advisable no matter the age of the child, just to be safe. This would also prohibit giving them to friends if your child isn’t a user.

Deputy drug czar, Scott Burns stated: “We found in focus groups of young people across the country that in large measure they’re getting the drugs from their own medicine cabinets and the Internet. Some Web pharmacies deliver ordered drugs without legitimate prescriptions, but other sites steal credit card information and never fill orders, Burns said.

With the rise in prescription drug abuse, three federal agencies issued guidelines earlier this year for disposing of medications without harming the environment.

1. Remove unused, unneeded or expired prescription drugs from their original containers.

2. Mix prescription drugs with an undesirable substance, like used coffee grounds or cat litter, and put them in impermeable, nondescript containers, such as empty cans or sealable bags.

3. Throw containers in the trash.

4. Don’t flush prescription drugs down the toilet unless the accompanying patient information says specifically it is safe to do so.

5. Return drugs to pharmaceutical take-back sites that allow consumers to return unused drugs for safe disposal.

Sources: White House Office of National Drug Control Policy, Department of Health and Human Services, Environmental Protection Agency.

Author’s Note: A pharmaceutical sales representative can increase sales by volunteering to return expired or outdated medications for the wholesalers in their territory. This can be a daunting task for their employees. Offering customer service at this level is rare and not expected. This also gives the drug rep an idea of the inventory on hand and an opportunity to help sell their medications. The wholesaler can offer specials to the retail drug stores on your proprietary pharmaceuticals.

Sifting Through Your Car Insurance Quotes

If you have already done the leg work with your car insurance research, chances are that you have several or possibly even several dozen car insurance quotes to decide between. You have cheap car insurance quotes as well as expensive car insurance quotes, and you are not quite sure where to go from here. Here is some help in sorting through your car insurance quotes.

The Cheap Car Insurance Quotes
Chances are you have several cheap car insurance quotes, ranging from the very cheap car insurance quote to the moderately cheap car insurance quote. To differentiate between these car insurance quotes you need to look at the fine print. What type of extra services do these companies offer? Do they have towing or rental cars to help you in the case of an accident? Or is the coverage just bare minimum coverage? If you still cannot decide which cheap car insurance quote is better than the other, look online for some customer reviews. Most online car insurance quotes are free online car insurance quotes, so many people will get a quote from each company. You will have many different reviews to look into. Look for how quickly the companies process claims, how quickly they send people out to process the vehicle claim, and if they actually do offer things like towing and rental cars. If they do offer towing and rental cars, try to find reviews on the rental cars that they use as well as their towing company. All of this will help you to chose between your cheap car insurance quotes.

The Expensive Car Insurance Quotes
You probably also have several expensive car insurance quotes that are nowhere near the cheap car insurance quotes. You might be wondering why these insurances are so expensive when compared to the cheaper quotes that you were given. Chances are that these more expensive car insurances offer more perks and more coverage than the cheaper ones. Look into exactly what coverage you have with these companies. Are you covered if a tree falls on your car? For most of the cheaper insurances, the answer is no. But if you have a more expensive car insurance, you just might be covered. Some insurances do not cover one car accidents, either, like if you ran into a fence. If you chose to have this coverage, you will probably pay more for your premium.