All posts tagged auto coverage

Five Of The Best Companies To Buy Car Insurance From

by Carsurfer Admin on 2014/06/13 in Auto Insurance with Comments Off on 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

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

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.

Nationwide

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.

Geico

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.

Did You Know Most Automakers Have a Secret After Warranty Assistance Program?

by Carsurfer Admin on 2012/03/07 in Auto Warranty with Comments Off on Did You Know Most Automakers Have a Secret After Warranty Assistance Program?

One of the most frustrating matters for car owners is when something goes wrong with a vehicle that is no longer under warranty. A water pump fails, an O-ring breaks or an air-conditioner compressor dies. Unless you purchased an extended warranty, you’ll be paying for repairs that will cost you hundreds perhaps thousands of dollars to complete. It is no wonder consumers think ill of their vehicles and switch to a competing brand the moment that their cars are paid off and when their finances allow them to move on.

Dissatisfied Customers

Fully aware that a dissatisfied customer is one that can be lost for life, car manufacturers have been quietly managing these problems for years by offering secret repair assistance after the warranty has expired. Instead of saddling car owners with expensive repairs, manufacturers work with dealers to greatly reduce or forgive costly repair bills that are no longer covered under warranty.

These “secret” warranty plans have bailed out thousands of consumers every year from a wide variety of manufacturers including Ford, Volkswagen and Kia. Yes, even top-rated manufacturers such as Toyota and Honda may occasionally step in, handling certain repair costs in a bid to keep consumers happy.

After Warranty Assistance

Such “after warranty assistance” plans are well-known by car dealers, but have largely been missed by consumers. That’s because car manufacturers prefer to work with dealers directly on a case by case basis. If everyone knew about these AWA plans, then the program would be overwhelmed by requests. You have the good fortune to read this article and learn how your car’s repairs might be covered.

The following are some guidelines to follow the next time you face a major repair for a part that is no longer under warranty:

Be the original owner — If you bought the car new, then you are considered the original owner. Your chances of receiving special consideration are stronger if you’re the sole owner. Purchase the car used, even if it was only a year old, and you probably won’t be covered. You may need to submit a copy of your bill of sale and registration to the dealer to show proof of ongoing ownership.

Work with the manufacturer’s dealer — Although it isn’t impossible to get special help if you take your car to a private garage, your chances of receiving AWA consideration are much better if you work with your dealer. That’s because your dealer has a direct line up the manufacturer chain and can submit your request to the right person for review. Dealers typically do not have the final decision in AWA cases as they get reimbursed from manufacturers for reduced or for forgiven repair bills. Without that approval, the dealer would be forced to “eat” the cost of your repairs.

Ask for help — Dealer repair departments are busy places with everyone working diligently to see that repairs are done properly and in a timely manner. Your strategy here requires much patience and kindness on your part. Likely, you are frustrated that a part failed early and that frustration can come out as you interact with the repair department. Much composure is needed here! Politely ask if the repairs qualify for AWA in part or in totality. If the dealer representative believes that you have a strong case, he or she will push your case up the chain, with the service department manager or the dealer’s general manager alerted next. A decision may take some time, but your patience can pay off.

Important Considerations

Should these steps fail or if you’re not the original owner, all is not lost. You may be able to work out a trade-in deal and come away with a new car that includes a better warranty. Or, you could take your car to an independent garage, effectively reducing your final bill by as much as 50 percent. A refurbished part can reduce your costs too, easing some of the burden of repairing an expensive part.

Author Information

Cedric Sheldon writes for a Toyota parts online website that offers discount OEM parts including radiators, brake components and seat covers.