Auto Insurance

A highly competitive auto insurance marketplace is making coverage more widely available and affordable for all drivers, according to the Insurance Information Institute (I.I.I.).

The I.I.I. vigorously contested a Consumer Federation of America (CFA) study which asserted that insurance rating practices were driving up auto insurance prices for low- and moderate-income households.

The I.I.I. pointed out that the CFA analysis came only weeks after another organization—the National Association of Insurance Commissioners (NAIC)—representing the nation’s insurance commissioners found that the typical U.S. motorist had seen his or her auto insurance expenditures drop every year between 2005 and 2009.

“Auto insurance provides important, cost-effective financial protections to millions of Americans, and most drivers have dozens of auto insurers constantly competing for their business,” said Dr. Robert Hartwig, CPCU, president of the I.I.I. and an economist.

The NAIC determined that drivers paid $785, on average, to insure a private-passenger vehicle in the U.S. in 2009, four [...] Continue Reading…

According to the 2010 U.S. Online Auto Insurance Report by comScore, a record 2.8 million auto insurance policies were purchased online in 2009; that’s an increase of 80% since 2006!

The statistics around online shopping are not surprising. It’s easy, quick and more convenient to compare auto insurance quotes when you do it online. For many people, comparing auto insurance costs online means you can shop at your own pace. For others, it’s just a quick and easy way to save some money.

So are you in the market for auto insurance? Are you interested to see how 21st Century Insurance can give you the same great coverage for less? Here’s how you can make the most of it:

1. Be Prepared
Shopping for car insurance is incredibly easy if you’re prepared. Before getting started, make sure you have the following information available. That way you can be sure you’re making an apples-to-apples [...] Continue Reading…

If you don’t know what to look for, comparing auto insurance policies can be a daunting task. Policies can have wide differences from insurer to insurer, and you want to make sure you’re getting the best coverage for the best price. Here are some simple tips to inform your auto insurance comparisons.

Premiums
The top priority for most auto insurance buyers is finding a policy with inexpensive premiums. Although it is important to purchase a policy with reasonable rates, you don’t want to overemphasize this criterion. The cheapest insurance policy is not always the best value because the savings usually come with a sacrifice in coverage levels or company quality. Set a monthly or yearly car insurance budget before you begin shopping to help you decide which premiums you can pay for. To get the best premiums, you will want to get quotes from at least two or three different insurers.

Coverage [...] Continue Reading…

Get a quote and apply online
Auto insurance coverage may be the same throughout your province, but insurance prices are another story. Coverage from one firm to the next can vary by a few hundreds , if not thousands of dollars. The only method to make sure you are getting the best base premiums for your policy is to compare diligently.

Make sure all your cars are on the same policy
There are “Multi-vehicle discount” for customers who insure multiple cars on the same policy. This can bring you savings off both cars.

Insure both your car and home with the same company
Again, this will qualify you for a discount called the “Multi-line discount”. We offer this savings as an incentive to get your property insurance business too. It’s all perfectly legal and it’s a great way to get another discount off your premiums.

Increase your deductibles
To summarize, the higher your deductibles, the lower your insurance [...] Continue Reading…