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GetCoveredUSA.com: YOUR FREE INSURANCE PRODUCT, QUOTE AND PRICE GUIDE
 

INSURANCE GUIDES AND QUOTES

 

Auto Insurance:

  • Passenger Cars and Trucks
  • Motorcycles
  • Golf Carts and ATVs
 
 

Home Insurance:

  • Homeowners Insurance
  • Dwelling Fire
  • Renters Insurance
 
 

Life Insurance:

  • Term Life
  • Whole LIfe
  • Universal Life
  • Variable Life
 
 

Health Insurance:

  • PPO / HMO
  • HSA
  • Individual Health
  • Group Health
 
 

AUTO INSURANCE PRICING
MOST COMMON REASONS FOR SWITCHING AUTO INSURANCE COMPANIES:
  1. Price or Cost of Insurance
  2. Bad Claims Experience
  3. Bad Customer Service Experience
  4. Limitations of Current Insurance Company
  5. Other - Relocation, Cancelled, Agent, etc.
 

MOST EXPENSIVE STATES FOR AUTO INSURANCE

  1. Lousiana
  2. New York
  3. New Jersey
  4. District of Columbia (DC)
  5. Delaware
  6. Rhode Island
  7. Kentucky
  8. Maryland
  9. West Verginia
  10. Nevada
 

MOST EXPENSIVE CARS TO INSURE

  • Mercedes SL65
  • Lincoln Town Car BPS
  • BMW 760 Li
  • Audi A8L W12
  • Mercedes G55AMG
  • Volkswagen Phaeton W12
  • BMW M5
  • Jaguar XJ8 Super V8
  • Porche Cayenne Turbo
  • Range Rover Supercharged
 

INSURANCE ARTICLES AND TIPS

  • Overpaying for your auto insurance? How Auto Insurance Quotes Work - If you have the ability to see or hear, chances are high that you've seen advertisements for saving money on your auto insurance. Auto Insurance is arguably the most competitive product that most people need in their lives. Insurance carriers go through phases where they want to gain more clients and decide to churn out commercials by the dozens
  • Credit Scoring Ban for Insurance In Colorado - The House rejected the bill by a vote of 39-26. "The vote to defeat HB 1143 is proof that legislators in the state see that the proposed credit-based insurance scoring ban would have adversely impacted market competition in the state, forced rate subsidizations on a significant number of consumers, and made it more difficult for insurance carriers to offer consumers with fair risk-based rates," Rataj said. "Consumers want to have a choice in products, services and rates, and the defeat of this credit-based insurance scoring bill will help keep the Colorado insurance market vibrant." (read more)
  • All Risk vs Named Perils - Which home insurance policy is better? (read more)
  • Why Insurance Rates Change At 25 Years Old - Are you 24 years old and younger or have a driver in your household that is? Chances are you're not too excited about writing out that check for your insurance bill every month right? Insurance Actuaries have long considered 25 to be a major break point on Auto Insurance rate structures. An Insurance Actuary by the way is a person whos sole purpose in his job is to determine specific characteristics of a risk (insured) cause a higher potential for loss .(read more)
  • Car Keys
    Safeco's New Program for Teen Drivers: Teensurance™ -For $14.99/month you can buy into a program that includes a GPS tracking device called the Safety Beacon™ that is installed (free installation) into your young drivers' car. This device is intended to help reinforce good driving habits. The driving habits are delivered real-time using your e-mail, internet or phone. Data updates include speed and location of the vehicle and will notify you when a pre-set speed limit has been breached.(read more)

  • Diminishing Deductibles: What are they and how do they work? - Diminishing deductibles are programs offered by some insurance carriers that through a number of different means, the insurance carrier agrees to reduce the collision deductible of your vehicle for your next claim by a pre-determined dollar amount at certain intervals throughout your policy period..(read more)
  • Allstate Pulls out of California Home Insurance Market - According to sources at Allstate, they claim that California is a "catastrophe-prone" region and intend to pull out of the market of Dwelling Fire and Homeowners..(read more)
  • Why Do Insurance Companies Use Credit Scoring to Determine Insurance Rates? - Credit Scoring in some form or another has been adopted and applied to most Auto and Home policies available today. Some exceptions exist by state, for example California specifically prohibits any kind of credit scoring model. Most other states however allow it but often have legislation pop up every year to either restrict or shoot it down. Insurance Carriers actively lobby legislators to keep systems in place because they feel that the Credit Scoring system helps calculate which types of potential insureds are more likely to have a loss...(read more)
  • Uninsured Vehicles Impounded in Arizona - Under a State Law put on the books in August 2005, State Agencies impound over 18,000 vehicles in the last year.(read more)
  • Can Glass Claims Hurt Your Insurance Rates? - Zero Glass Deductible options for insurance policies are very common additions to an auto insurance policy, often more popular than towing or rental car coverage's. Zero Glass options waive your comprehensive deductible amount in the event you need to have a windshield replaced. Generally, most insurance companies offer free chip repair regardless of the presence of the Zero Glass option..(read more).
 

INSURANCE INFORMATION AND RELATED

Insurance Consumers
  
Insurance Agents
  
Information by State
Auto Insurance   Resource Directory P2   Alaska
Homeowners Insurance       Arizona
        California
        Nevada
     
02-08-2010

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