National Auto Insurance Company Review

Automobiles have been a part of American society for about a century now and in today’s society, they are an essential part of everyday American lives. Although in big cities, mass transportation systems such as subways, buses and metros have been developed, most average Americans get to and from work through the means of automobiles. It is for this reason that the Federal Government decided to allow each state to design its own automobile insurance laws, so that they could have a say about under which conditions an automobile was to be used within their respective state borders. With the population of the United States growing everyday and more and more people entering this great country, it is imperative that Americans have automobile insurance so they can drive safely and without risk on the roads of this nation.

Nowadays, most people can find an automobile insurance company within a 25 mile radius from their residence. While there are big car insurance companies such as GEICO, Allstate, and others that are trying to get bigger in order to control this sector of the economy; there are some other ones that are unknown nationally and work within their state’s borders. In this article we will only be discussing those “top dogs” in the auto insurance business by looking at their history, what they offer and how they have become well known through the years.

Esurance: Although this company was founded only in 1999 through the Internet, they have progressed much through the years. The company started in four states and it was quickly bought by the White Mountains Insurance Group. Today, Esurance claims to insure about 85% of the nation’s drivers and they are continuing to grow by providing coverage in 28 states. Since they were founded, this company has strived to give customers the best rates in the market with the best coverage. They pride in their customer service techniques and on the fact that their customer service agents are available 24 hours a day, 7 days a week. This insurance is said to be the first one to offer their products entirely online, making it a little easier and convenient for people to get quotes and enroll from the comfort of their own home of office. The company has grown so much that they have expanded to offer not only automobile coverage, but also life, health, homeowner and motorcycle insurance.

GEICO: One of the biggest automobile insurance companies in the United States, GEICO is best known for their little gecko talking in a British accent, or for the caveman commercials that highlight the fact that getting a quote online is “so easy a caveman can do it.” The Government Employees Insurance Company (GEICO) was founded in the 1930’s when the Great Depression was still hitting this great nation. Leo and Lillian Goodwin started the company in the state of Texas because they had a vision of lowering premiums for selected customers. The company became more and more famous around the United States and it was in 1936 that they established operations in Washington D.C. Nowadays, the company is functioning in all the states and its assets have climbed up to a record $21.9 billion. They have an estimated 7 million members, 21,000 associated in 12 major locations nationwide. This incredible growth has been due to three key elements that GEICO focuses on: excellent coverage, low prices and outstanding customer service.

Allstate: With their motto “You are in good hands” this company strives to be the best by giving their customers peace of mind and enriching their quality of life through the excellent management of their risks. The company was founded in 1931 and it only became a public trading company in 1993. Based in Northbrook, Illinois; Allstate is one of the nation’s leading insurers in urban and regional areas and it has offices in all of the states of the nation. They pride in the various numbers of awards they have won through out the years and because they have supported auto and highway safety reforms including seat belts, air bags and teen driver education. A Fortune 100 company with $157.5 billion assets, the Allstate Corporation encompasses more than 70,000 professionals with near 30% minorities and 59% women. The company provides insurance products to an estimate 17 million automobiles and one out of every 9 autos on the road are insured by them

SF Insurance: This Company was founded in 1922 by a retired farmer and insurance salesman by the name of George Jacob Mecherle. He started the company for the sole purpose of lowering automobile insurance premiums for farmers, because he knew they drove way less than the average customer. Today, SF Insurance claims to insure more cars than any other auto insurance company in North America and it is available in all 50 states and in the neighbor country of Canada. In 2006, the company became the first to promote a major film, when they sponsored the Pixar movie CARS and they have extended to life, homeowner and property insurance. The company has over 17,000 agents and 68,000 employers that help over 76 million customers in every single type of insurance imaginable. They are ranked A+ by A.M. Best and they are also 31st in the list of Fortune 500 list of largest companies.

Nationwide: Another “top dog” of automobile insurance in the United States. The company was founded in 1925 by the Ohio Farm Bureau Federation in order to provide excellent low-cost rates for rural drivers in the state and in the span of 80 years Nationwide has been transformed from a small automobile insurance for Ohio farmers to a big company that receives an estimated $157 billion in assets. Nowadays, Nationwide is not only an auto insurance provider; but it offers financial services as well. They are known for excellence in their service simply because their associates have a variety of skills, experiences and backgrounds that make them more compatible to their customers. The company is ranked 104 on the Fortune 500 magazine and has about 36,000 employers. Is also of note to mention that Nationwide ranks as the 6th largest auto insurance company in the United States based on premium ratings as ranked by A.M. Best.

Finding the Top Classic Car Auto Insurance Company

If you have a collector car then it is bets to purchase insurance from a classic car insurance company. Classic cars are a specific type of cars that tend to be at least 15 years old and have a value attached to them. Classic automobiles are special cars that as long as they are kept in good condition will increase in value as they age. Typically they are already very expensive when originally purchased as new or they may be a limited number of those models manufactured.

Each state has their own regulations that must be met to be considered a classic car. The vast majority of these guidelines and regulations are similar but there are a few unique ones found among different states. Additionally collectible car clubs may have even more regulations to meet as clubs may be looking for specific types of classic cars.

Insurance is important because collectible cars can be treated as an investment that will gain value over time. The most valuable classic cars are the ones that have the original paint job, no rust and are in excellent condition with very low mileage. Typically insurance rates are determined based on the mileage on the car and its condition.

Insurance quotes can be obtained by filling out information online via a classic car insurance company site. Almost all car insurance companies will offer classic car auto insurance as well as some specialized insurers. You have many different options that can be included in your classic car insurance package that includes emergency towing, reimbursement of personal effects, car show expenses, lockout, lost keys, and roadside assistance to name but a few.

Theft is a large issue with collector vehicles and you should have a strong theft policy as having your collector car stolen can be a huge loss in assets. For well insured cars many time the insurance company will offer a reward for the recovery of the car. Many times it is less expensive for the insurance company to pay a reward for the recovery of the car rather then pay out the actual value of the stolen classic car.

Insurance rates for collectible cars can be separated out based on mileage. Many antique cars will have quite low mileage as the collectible car is usually not a persons main form of transportation but taken out for special occasions. There is a greater danger of damaging the collectible car if it is driven frequently and this will depreciate the value of the car.

It is also possible to get specific classic car auto insurance just to cover the cost of repairs and other associated costs. This is many times based on the current value of the car and the availability of parts and a skilled mechanic that can fix your collector car. As with insuring other cars your driving history will also be factored into the insurance.

After you have received a basic quote from your classic car insurance company or companies you will need to get a more detailed one that is customized for your classic car. You should be able to customize the insurance package any way you like and if you need help you should be able to receive it from the insurance company or an outside company such as the state auto insurance.

Free Helpful Roadmap – Auto Insurance

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The best thing about online auto insurance quotes is that they will take very little time to complete, and you will know almost immediately how much you can expect to pay, and all with no obligation to sign. This means you can easily shop around for the absolute cheapest car insurance rates available to you until you find one you are comfortable with. There are much too many people paying unnecessary high rates for their insurance coverage as a result of that they are not aware of the simplicity of free or extremely very cheap auto insurance quotes. It is definitely to your advantage to consult online auto insurance professionals, who are striving to bringing contentment to the public concerning insurance coverage. It is well worth the short time it takes to find out.

Finally, don’t forget that no matter how good the auto insurance company looks and even if the premium or monthly insurance rate fits in your budget if the auto insurance provider doesn’t meet your needs as a potential customer, then they really don’t deserve your business. Customer service means a lot nowadays so if it takes 30 minutes to speak to an insurance representative or if you are unable to access your auto insurance policy or account online due to constant computer problems then it may not be worth the time and aggravation even if the insurance rates really are the cheapest.

You can also avail the facility of group insurance. Some companies offer reduction to drivers who get insurance through a group plan.

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Higher deductibles are another way of getting low cost auto insurance. When you increase your deductibles, you lower your premiums by as much as 15 to 30 percent. Call your low cost insurance agent or check online to see what kind of impact changing your deductible, will have on low cost auto insurance. For example, if your existing deductible is four hundred dollars, see what would happen if you raise it to six hundred dollars, or even eight hundred dollars.

Before buying a car you might want to find out how much your insurance will cost annually. Insurance companies consider certain cars easily damaged and expensive to repair, and other cars the target of thieves. You could end up paying a premium surcharge between 10 – 20%. The National Highway Traffic Safety Administration (NHTSA) has established the Auto Safety Hotline at 1-800-424-9393 to report safety defects or to obtain information on cars, trucks, child seats, and highway or traffic safety. The Insurance Institute for Highway Safety provides information on death rates by car make and model as well as the standard safety equipment available. The Institute can be reached at 703-247-1500.

Don’t forget that if this article hasn’t provided you with exact Mexico Auto Insurance information, you can use any of the main search engines on the Internet, like Ask.com, to find the exact Mexico Auto Insurance information you need.

Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.

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