Best Car Insurance 2020 Tips - Why Teen Drivers Should Get Online Quotes Before Buying Car Insurance - Yahoo Finance
Best Car Insurance 2020 Tips - Why Teen Drivers Should Get Online Quotes Before Buying Car Insurance - Yahoo Finance |
| Posted: 25 Jan 2020 09:10 AM PST LOS ANGELES, CA / ACCESSWIRE / January 25, 2020 / Compare-autoinsurance.org (http://compare-autoinsurance.org/) is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website offers car insurance info about different coverage types and money-saving tips. Insurance companies usually consider teens high-risk drivers. Their lack of driving experience and age-associated behaviors make teen drivers be more expensive to be insured. However, there are some ways that will help teen drivers pay less on their insurance premiums:  View photos
For additional info, money-saving tips and free car insurance quotes, visit http://compare-autoinsurance.org. Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc. "Getting cheap car insurance for teenagers can be challenging. However, there are some smart ways that will help teen drivers lower their insurance rates," said Russell Rabichev, Marketing Director of Internet Marketing Company. CONTACT: Company Name: Internet Marketing Company SOURCE: Internet Marketing Company View source version on accesswire.com: View photos  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Our Review Of Acceptance Auto Insurance - Motor1 Posted: 25 Jan 2020 05:07 PM PST From our research, it seems like Acceptance auto insurance caters to drivers that can't find affordable rates from other insurance companies. A large portion of the website is directed at high-risk drivers, people with bad credit, and teens. If you have a clean driving record, Acceptance might not be your first choice for car insurance. However, if you haven't been able to find insurance from other companies, Acceptance could be a good option for you. Let's take a closer look. If you want to find the best rate now, then get matched with an affordable provider in your area by filling out this form: In this article: Pros And Cons Of Acceptance Auto Insurance
Acceptance Car Insurance AvailabilityAt this time, you can only get Acceptance car insurance if you live in one of the following states:
The nice thing is that Acceptance doesn't just deny coverage if you begin a quote from another location. Instead, it will start a comparison quote with providers in your area through EverQuote. Acceptance Auto Insurance CoverageWith Acceptance car insurance, you can find a coverage option that satisfies the minimum requirements in your state. Here's what the standard options look like: Insurance for you and your car: Collision and comprehensive insurance cover damage to your car from accidents or other events like natural disasters. Medical payments (MedPay) covers hospital bills for you and your passengers regardless of fault. Personal injury protection (PIP) also covers hospital bills plus lost wages and death benefits. Uninsured/underinsured motorist (UM/UIM) covers injury and property damage when you get hit by an uninsured or underinsured driver. Insurance for the other party: Bodily injury liability and property damage liability pay for other drivers' medical bills and repairs in accidents that you cause. Most states require this type of coverage. Extras: Acceptance car insurance offers two more coverage options beyond the standard choices. Roadside assistance covers towing, fluid delivery, flat tires, jumpstarts, and lockout services. Rental car reimbursement pays rental car costs after a covered accident. Other "Types" Of Acceptance Car InsuranceIn addition to the standard coverage options, Acceptance also lists a few more types of insurance that it offers. However, these aren't really types of coverage, but the types of drivers that Acceptance caters to. Here's the list:
Many of these categories overlap, even in the descriptions on Acceptance's website. For example, non-standard also means high risk, while high-risk drivers include teenagers, drivers with bad credit, and drivers that have an SR-22 requirement. (An SR-22 form is issued after a DUI or negligent driving conviction and requires the driver to carry insurance for three years.) Interestingly, most of these categories don't cater to good drivers. We'll take a look at price later on in this article, but if a company insures a lot of risky drivers, rates will be higher for everyone. Does Acceptance Provide Discounts Or Extras?Acceptance auto insurance discounts are a bit hard to find. In fact, the company doesn't list any discounts on its main site. A number of local Acceptance agency webpages mention that the company provides discounts, but the identity of those discounts is a mystery. However, Acceptance is an average car insurance provider, so you might be able to find some of the discounts listed below depending on your location and situation:
Remember, these are just a few discounts and extras that are common to the industry. You may or may not find them when you shop for Acceptance car insurance. Other Insurance Products From AcceptanceIn addition to car insurance, you can get the following insurance coverages through Acceptance:
As we mentioned above, Acceptance doesn't publish a list of discounts on its website, which is a little disappointing. If you have multiple policies with Acceptance, you might expect a multi-policy discount. Just because it isn't listed on the website doesn't mean you can't get it from an agent. Similarly, multi-car discounts are common in the industry and could be offered when you purchase Acceptance auto insurance. Quotes And Claims With Acceptance Auto InsuranceGetting an Acceptance car insurance quote is quick and easy. In testing out the feature, it took us about five minutes to end up with a final quote. At that point, you can go back and edit drivers and vehicles. You can also change the coverage options that you see. By clicking a help link next to each insurance option, you can read more about the option, too. At the top of the page, the price is clearly laid out. You will pay about 10 percent more for breaking down your premium into monthly payments. When it comes to filing a claim with Acceptance auto insurance, the company doesn't really stand out from the pack. Here's how you can file a claim:
The main disappointment here is that there is no 24/7 claims service – or any other kind of customer service. You can submit a claim online, but the claims office will only respond during business hours. There is one nice thing about filing a claim with Acceptance, though, and that's the Acceptance Express Inspection app. The app allows you to submit photos and videos of your car and add them to your claim. While it doesn't let you start a claim, it can help you save time throughout the process. However, not all claims can be settled with photos, and Acceptance may need to send an adjuster to see your car in person before authorizing a repair. Acceptance Car Insurance ReputationAcceptance auto insurance tends to get average to poor ratings from different review sources. While it does have an A+ rating with the Better Business Bureau (BBB), the reviews and complaints on its BBB pages aren't as positive. Problems With Claims And CommunicationIn looking over the company's BBB reviews page, an interesting pattern emerges. A large number of reviews are written by drivers who don't have Acceptance insurance but who got in an accident with one of the company's insured drivers. According to many of the reviewers, some Acceptance insurance agents will go days and weeks without contacting them or returning calls about the claim. One reviewer said that the repair shop they were dealing with held Acceptance in low regard for issues with claims. Another reviewer said that getting hit by an Acceptance-insured driver is worse than getting hit by an uninsured motorist. Finally, someone reported that their car was totaled by a driver with Acceptance auto insurance. At the time of the review, over 30 days had passed, and the reviewer hadn't heard from an adjuster or agent at Acceptance. Application And Cancellation FeesOn the BBB complaint page for Acceptance car insurance, another issue comes up. In one complaint, the customer began a policy, realized it was too expensive, and canceled it on the same day. Acceptance refunded their money minus $85 – which included a $50 cancellation fee and a non-refundable $35 application fee. According to the response by Acceptance, The cancellation fee applies when a customer cancels their policy within 30 days. Some insurance companies charge cancellation fees, though $50 is a little expensive. However, not many companies charge new customers a fee just to start a policy. Application fees are more common in the world of risky credit cards, not automobile insurance companies. You might pay a down payment upfront, but that usually applies to your premium for the rest of the term. Of course, these fees can vary by state, so there's no guarantee you'll find them on your personal quote from Acceptance. Does Acceptance Have A Grace Period?According to the BBB complaint mentioned above, it doesn't seem that Acceptance auto insurance has a grace period. Also, the search term "grace period" doesn't bring back any results from the company's website. It's possible that some customers may get a grace period according to their state's regulations, but it's not guaranteed. How Much Does Acceptance Car Insurance Cost?Since car insurance prices vary so much from person to person, it's usually hard to find average auto insurance prices online. In the case of Acceptance car insurance, pricing is even vaguer since the company is small and only available in a few states. Because of that, we decided to perform a little experiment. We pulled Acceptance auto insurance quotes for three different drivers from three states. All our hypothetical drivers owned a 2013 Toyota Camry SE and had clean driving records, but other characteristics varied between them. We also only selected minimum liability coverage along with comprehensive and collision insurance. Comprehensive and collision both had $500 deductibles. We didn't select extras like rental reimbursement or roadside assistance. Here's what we found:
Data in the last column, which shows the average yearly price in each state, comes from The Zebra's State of Auto Insurance report. Generally, we'd expect the best rates for drivers like these to be lower than the quotes we received from Acceptance. A 39-year-old in California can probably do better than just a few hundred dollars below the average. Also, 20- to 29-year-olds average about $2,000 for yearly policies, according to The Zebra, so $4,100 seems pretty expensive for the 24-year-old driver. Teen drivers who need car insurance do see rates of around $4,000 to $5,000 on average, but teens with clean records can still find much better rates. At the end of the day, these quotes are just pieces of anecdotal evidence. You may find cheaper or more expensive prices from Acceptance auto insurance. Also, many other things can affect your rate. In addition to your age and location, these factors include:
Our Verdict On Acceptance Auto InsuranceIf you're a high-risk driver with a few claims on your record, Acceptance auto insurance could be a good fit – after all, it's called Acceptance for a reason. Its website has sections for people with bad credit, poor driving records, and SR-22 requirements. However, if you have a decent driving history, we think you could find better deals by shopping around for cheap car insurance. If Acceptance insures a higher portion of risky drivers, the good drivers pick up the tab. Looking For 24/7 Support? Try GeicoRecently, we reviewed a number of the best car insurance providers and ranked them on things like customer service, financial strength, and cost. In our review, Geico finished in second place. (USAA came in first, though it has restricted eligibility requirements.) Geico has a reputation for fast and easy claims – it came in fourth place on J.D. Power's 2019 U.S. Auto Claims Satisfaction Study. Part of that might be because people can call in and talk to someone at Geico at any time of the day or night, which isn't possible with Acceptance auto insurance. Geico has a strong financial rating of A++ from AM Best, which means it can handle its claims obligations easily. It also insures a mix of low- and high-risk drivers, so it can give people affordable rates. Try comparing your Geico quote against your Acceptance quote to see which is better.
Consider Progressive For Great RatesProgressive is also a top-five insurance company on our list. The company has been around since 1937 and is the third-largest auto insurance provider in the U.S. Progressive can give you a number of standard discounts based on your driving, your company loyalty, and how you buy your quote. In addition to these discounts, there are a few more ways to save:
Along with Geico, Progressive offers some of the most affordable rates to many drivers. It's particularly affordable for drivers in California. Unfortunately, it didn't perform as well as Geico on J.D. Power's Claims Satisfaction Study – participants rated its claims process as average for the industry. However, it's still a strong option, and you can reach an agent any time of day.
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