All posts tagged auto insurance

Car Insurance: 3 Benefits to Having Your Own Insurance Agent


Having your own insurance agent is a good way to keep your insurance simple. You may have been happy with service you got from the corporate office, but there is a great deal you can do when you have an insurance agent who is focused on you. These private businesses are there to service customer accounts while also providing assistance to the community at large.

Personalized Service

When you are working with your own insurance agent, they know you inside and out. They are able to keep up with you, and they know what your specific needs are. When you call them because you have purchased a new car, they know that you likely want the same insurance as you did before. When you have kids, they know that you need comprehensive coverage for the family car. They may also recommend collision coverage for the car you drive to work so that you can save money (Source: Meyer’s Insurance Ltd.).

Something that can’t be stressed enough is that having an insurance agent personalized. They can help you anytime with any issues that you may be having with your insurance. With that said, many people are getting their insurance online now which often takes away the benefits of having a personalized agent. Dealing with insurance on your own and over the internet can be complicated and confusing. There is no personal touch with it that an insurance agent can provide. Also, the quality of customer service tends to be lower online than with your own agent.


Most people who are looking for savings will only get those savings from their local agent. The local agent spends most of their time trying to figure out how to save money for their customers. The agent makes commission on each policy, and they need to make sure that all customers retain their policies. If the agent is able to save you money, you are more likely to stay with them.

The agent also knows all of the discount programs that are specific to your job, your area or the size of your family. You get personalized service from someone who is spending all day trying to help people just like you. Your insurance agent will disclose any and all discounts that are available to you, but don’t be afraid to inquire about other discounts that you may not yet be able to qualify for as your agent will give you information about how to be able to qualify for those discounts as well.

They Are Close

The local insurance agent has an office in your community that you can visit at any time. The local insurance agent also has a phone number you can call directly. You never have to wait for a customer service agent to answer the phone, and you do not need to wait for someone to get back to you. The insurance company is not distant from you, and you know that other people in the community can give you extra information about working with the agent.

When you are working with your own insurance agent, you will find that you save more money, get better service and better policies. The local agent is committed to you and your community. Also, the local agent knows how to help you get just the insurance you need.

Car Insurance: How Much Coverage Is Too Much


Buying car insurance coverage can be a confusing experience for many people, most of whom wind up purchasing more car insurance than they really need when they get full coverage insurance to protect their vehicles and others. Certainly, it is good and reassuring to have auto insurance coverage, and all Canadian provinces require some level of liability insurance to pay for injuries to others and property damage. But buying too much insurance coverage is almost as wasteful as not buying enough.

Full-Coverage Car Insurance Is Not Always Needed

Whenever financing the purchase of a vehicle, the lender will require full coverage insurance with a reasonable deductible amount to protect the loan collateral. But once that vehicle is paid off, maintaining full coverage insurance might not make sense. If the value has depreciated enough, paying for full coverage insurance is not a wise move. Most vehicles worth less than $5,000 don’t warrant full coverage unless they are financed, and insurers will refuse to provide full coverage insurance for vehicles that are worth only $3,000 or so, according to Underwriters Insurance Brokers (BC) Ltd., a provider of auto insurance in Vancouver.

Many Additional Protections Are Not Needed

When buying car insurance in Vancouver or other provinces, a lot of insurance professionals like to talk people into buying additional insurance coverage beyond liability, collision and comprehensive insurance. Most people do not need many additional insurance items, such as rental car insurance, towing coverage, trip interruption and other types of optional insurance protection. Most people have credit cards that provide free rental car insurance coverage, so having additional insurance through an auto insurance policy wastes money.

Trip-Interruption and Towing Not Always Needed

Likewise, trip-interruption insurance is good only for people who travel a lot by car. Those who only drive in town and use airlines, rail and rentals when traveling generally won’t benefit from trip interruption. Towing service also is relatively affordable, but in many cases, the benefit amount does not warrant several years of additional coverage payments. In most cases, a vehicle won’t be towed more than one or two times with a maximum benefit amount of $125 or so per tow and the bill paid up front.

Careful Planning Can Prevent Wasted Cash

When discussing insurance options with insurance producers, people need to ask about policies and the coverage they include. In many instances, they will find additional protections they likely won’t need. Eliminating unwanted coverage will make insurance more effective and more affordable and prevent people from paying for too much car insurance.

Life in the Carpool Lane: Everything You Need to Know About Insuring a Teen Driver


Having a teen driver is a big source of worry for parents, especially within the first year of having their license. There is a lot that teenagers don’t understand about driving, cars, costs of repairs, etc., and it’s up to you as a parent to teach them about these things. While you may be an expert with your own insurance, you need to know some specific information about insuring your teenager’s vehicle. Read on to learn the essentials of insuring a teenage driver.

The Cost of the Car and the Cost of Insurance

Generally, newer cars are going to be more expensive to insure because states usually have laws requiring a certain level of protection for them. However, you need to weigh out the benefits and the drawbacks. An older vehicle is likely to save you money on insurance, but it also likely has a greater chance of breaking down, which could just lead to more repairs in the end. Knowing the type of usage the car will get helps with this decision.

Drivers Education and Car Insurance

Depending upon the state that you live in, driver’s education might be required. In these areas, it is unlikely that your teenager is going to receive a discount for insurance because he or she was required to take the program. When you are living in a state where driver’s education is optional, ask the car insurance company if a discount is available once the course has been completed.

Receiving Good Grades and Discounts

Encouraging your teenagers to do well in school now has another benefit; it could save you or them money on their car insurance. Find out about the specific requirements of the program when you first sign up. Each car insurance company is going to have a different minimum grade or grade point average that must be achieved for the discounted rate, but many of them will likely have a minimum grade requirement of around a B or higher.

Paying the Deductible

Fully understanding insurance is something that even some adults have difficulty with, but you want to make sure this point is crystal clear to both you and your teenagers. When you have to go through your insurance to pay for the damage on your car, you generally need to pay a deductible. This means that the entire cost of repairs is not paid for by your insurance company. A $500 deductible is fairly common. Therefore, you want to ensure that your teenager has this money saved up if something were to happen with his or her vehicle, and that they know how much a crash or fender bender could set them back.

Talking to your teenagers early about car insurance is smart so that way they know about the costs associated with it and how they can keep their rate down. One day, your teens will be paying for their own insurance, so it’s helpful to help them learn the ropes now. Teen drivers always present a risk, but if you get your insurance set up properly from the get-go, you will have less to worry about.

AUTHOR BIO: Dixie got her advice for this article from the professionals at the Valley Driving School who offer driving lessons in Vancouver.

Sporty and Spendy: This Year’s Most Expensive Vehicles to Insure


There are many cars on the road today built with just one thing in mind: speed. These are not cars taken to drive leisurely around town, or used for work and errands on a daily basis. These are the cars boasting lightning fast speeds, and also extremely high insurance rates. Nissan, BMW, Mercedes-Benz, and Porsche all have these speedy models, which also come with the highest insurance rates of 2014.

Porsche Panamera Turbo S

According to, the Porsche Panamera Turbo S is fifth on the list of cars with a pricey insurance rate for 2014. On average, it costs $2970 to insure this car every year. Why such a high price tag? The Porsche Panamera Turbo S boasts 570 horsepower with turbochargers, allowing this vehicle to top out at speeds of 192 miles per hour. In addition to its ability to reach breakneck speeds, the Porsche Panamera Turbo S is also a four-seater, adding backseat passengers to its risk potential.

Mercedes-Benz CL550 4Matic AWD

The Mercedes-Benz CL550 4Matic AWD comes in next on the list of cars with the highest insurance prices of 2014. On average, this car costs $3019 annually to insure. The reasoning behind this price is simple—this car is designed to throw caution to the wind, with 429 horsepower and the ability to go from 0-60 miles per hour in 4.8 seconds.


The BMW M6 is the second most expensive car to insure in 2014. The 560 horsepower engine and the ability to accelerate from 0-60 miles per hour in just 4.1 seconds give this car the speed many crave, and the liability insurance companies dread. Because of this, the cost to insure the BMW M6 is $3065 annually. The coupe model of the M6 is even costlier, due to its lightweight carbon-fiber roof, which both increases its speed and makes it more prone to damage in the event of a collision. 

Nissan GT-R Track Edition

Finally, in the number one category of the most expensive cars to insure is a vehicle with a maker that might surprise you. Nissan’s GT-R Track Edition is the premier sports car for those enamored with the idea of achieving racing speeds. This vehicle, equipped with a turbocharged V-6 engine and a six-speed automatic clutch, accelerates from 0-60 miles per hour in 2.9 seconds and boasts a 545 horsepower engine. The newest model removed the back seat in order to increase the speed and performance of the car. To insure this vehicle, the annual cost is $3169.

A Nova Scotia insurance specialist from Eisenhauer Insurance Inc. reports that car insurance companies typically assess a vehicle’s risk factor to determine the rates they will apply to that particular vehicle. The above listed vehicles all embody a certain amount of risk due to their ability to reach high speeds quickly. Because these cars are, on average, priced over $100,000 and have significant wreck potential, the insurance rates are much higher than those of an ordinary car or SUV.

Five Of The Best Companies To Buy Car Insurance From


The average person spends a total of 101 minutes driving per day, making it a common activity that is often necessary to maintain a career and fulfill daily responsibilities. With a significant amount of time spent on the road, the type of insurance used is often just as important as the type of vehicle that is driven. Although there are thousands of companies to purchase insurance from, there are a few in particular that offer the best services.

State Farm Insurance

State Farm Insurance continues to grow due to the easy and professional claims processing that it offers. They have a high level of coverage options, as well as strong financial strength ratings. The company’s rates are also based off of mileage and how frequently the driver is on the road for fair pricing options.


Farmers Group offers accident forgiveness and new car replacement to its customers with a number of discounts that reward drivers for their vehicles and driving performance. 30 percent of their current customers were recommended to the company through a friend due to the high level of customer service and overall value of the policies.


USAA is well-regarded for its 12-month auto insurance policies that it offers and a no-drop promise for drivers who have accidents or traffic violations. According to Anthony Clark Insurance Brokerage, a company that offers auto insurance in Calgary, USAA is most recommended for their affordable policies and variety of discounts that are available.


This company has high levels of customer satisfaction due to the coverage options that include vanishing deductibles, accident forgiveness, and a convenient mobile app to use on the go. Customers report great customer service with an easy process when filing a claim.


Perhaps one of the most popular car insurance companies, Geico offers competitive prices with their policies and an abundant amount of discount options to drivers. Since 1936, it’s continued to grow as a company and also offers coverage for RVs, ATVs, motorcycles, and even boats.

Although finding the right policy can be a challenge due to inexperience with certain companies, the reviews of customers often prove to be effective when ranking the top insurers. With accidents and injuries that commonly occur while behind the wheel, it’s crucial to choose a quality insurance company that will offer an easy and convenient process after filing a claim.

Savannah Coulsen is a freelance  writer. She lives in Raleigh. Savannah loves to read and write and she hopes to write a novel someday. Savannah also loves learning and is a self-proclaimed health guru. Savannah got information for this article from Anthony Clark Insurance Brokerage, a company that offers auto insurance in Calgary.