Direct Auto Insurance Review

  • Car Insurance

Direct Auto Insurance is not one of the biggest insurance carriers in the United States and lags behind the likes of GEICO and State Farm in terms of size and revenue. But it has been going strong for over a century now, has an impressive reputation, and offers a wealth of insurance products across 11 states.

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In our Direct Auto Insurance review, we’ll look at those products and prices to see how they compare to what you can get elsewhere.

Direct Auto Insurance Main Coverage Options

With Direct Auto Insurance, you can get all the following types of car insurance coverage options:

  • Liability Coverage: A minimum requirement in most states, liability insurance covers you for bodily injury and property damage claims during at-fault accidents. You can opt for the minimum amount of cover needed, which is typically 25/50/25, or you can choose a more comprehensive option.
  • Collision Coverage: Liability coverage insurance covers the other driver and vehicle, while collision coverage ensures that your vehicle is protected. This way, if you have an accident involving a static object, including a tree, you can still claim for the damage.
  • Comprehensive Coverage: An auto insurance policy that includes comprehensive coverage will payout in the event of a collision with an animal (surprisingly not covered by collision insurance), as well as damage caused by non-accident-related issues, such as vandalism, floods, and hurricanes.
  • Personal Injury Protection (PIP): An all-encompassing form of personal protection that seeks to cover your injury liabilities while also ensuring you’re not out of pocket because of lost work, childcare costs, and other expenses that are a direct result of your injuries.
  • Medical Payments: Often very small and not required in most states, medical payments coverage will pay for medical bills following an accident. It works in a similar way to PIP, but it not as expansive.
  • Rental Car Reimbursement: If your vehicle is unusable following an accident, this insurance add-on will ensure your rental car costs are reimbursed. It’s an important addition for anyone who can’t afford to remain off the road for an extended period of time.
  • Emergency Towing: A form of roadside assistance that will tow your car to a repair shop.
  • Accidental Death Insurance: A form of life insurance, accidental death coverage will pay a small sum of money ($5,000) to your loved ones if you die as a result of a car accident.

Is Direct Auto Insurance Available in All States?

Direct Auto Insurance is only available in the following 11 states, with some restrictions regarding coverage options and policy discounts:

  • Florida
  • Alabama
  • Arkansas
  • South Carolina
  • Tennessee
  • Georgia
  • Mississippi
  • North Carolina
  • Ohio
  • Texas
  • Virginia

Additional Direct Auto Insurance Coverage Options

Along with car insurance, Direct Auto Insurance can offer you a number of other insurance types, including:

  • Motorcycle Insurance: Solid coverage options for bikers.
  • Life Insurance: Direct Auto Insurance offers term life insurance policies, which are fixed for a set period of time and will payout a death benefit if the policyholder dies in that period.
  • Health Insurance Marketplace: Use Direct Auto Insurance to find the best health insurance options for you and your family.
  • Commercial Auto Insurance: Get the same cover for your business vehicles that is afforded to individual policyholders.
  • Mexico Car Insurance: If you’re heading south of the border, you may not be covered the same as when you drive in the US. This optional insurance plan will give you that cover.

Direct Auto Insurance Discounts

Like all good insurers, Direct Auto Insurance offers policy discounts, including:

  • Returning Customer Discount: If you are returning to Direct Auto Insurance after being away for at least 6 months, you can get a small discount.
  • Good Student Discount: Students who maintain at least a B average in college or high school can get 10% off their car insurance premiums. 
  • Safe Driver Discount: Receive a discount of 10% if you have had no moving violations for at least 3 years.
  • Multi-Car Discount: Add more cars to your policy to get as much as 25% off.
  • Senior Citizen Discount: A small discount, typically just 5%, offered to drivers over the age of 55.
  • Renewal Discount: Renew your policy 10 days before it expires, and you can get a renewal discount of up to 20% for having no lapse in insurance coverage.

Direct Auto Insurance Claims Process

To make a claim through Direct Auto Insurance, simply dial 877-GO-DIRECT or visit the Direct Auto Insurance website. You can make a claim in just a few minutes, providing all the necessary information and then discovering the next steps to take.

You will be assigned a claims adjuster, who will contact you shortly after you make the claim and will become your point of contact thereafter.

Direct Auto Insurance Reviews and Claims Satisfaction

Direct Auto Insurance has the financial strength needed to provide you with reliable cover and it has good ratings from AM Best and the Better Business Bureau (BBB).

However, it doesn’t have the best customer satisfaction ratings and there are a lot of complaints. What’s more, while it prides itself on its quick claims process, many customers have argued that this process is actually a lot slower than advertised.

It’s worth noting that many negative reviews have nothing to do with Direct Auto Insurance. It’s a common and easily confused name, and as a result, many bad reviews seem to be aimed at another company. It’s a shame for Direct Auto Insurance if this is the case and means the overall review score would likely be a lot higher if this confusion didn’t exist.

Bottom Line: Insurance Quotes from Direct Auto Insurance

The fact that Direct Auto Insurance encourages renewals by offering discounts is a welcome sight and one that you just don’t see that often. Direct Auto Insurance will also appeal to high-risk drivers who struggle to get affordable full coverage policies elsewhere, as well those with poor credit scores.

Direct Auto Insurance will rarely have the cheapest car insurance quotes in your state, but the only way to know is to get a quote, compare it to other auto insurance companies, and stick with the one that offers you the best cover for the lowest price.

Source: pocketyourdollars.com

Esurance Auto Insurance Review

  • Car Insurance

Esurance is one of the biggest providers of auto insurance in the United States, offering cheap insurance policies for drivers in most states. But how does this company perform with regards to services and prices? In this Esurance insurance review, we aim to find out.

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What is Esurance?

Esurance was founded in 1999. It positioned itself as a direct-to-consumer insurer and was one of the first insurance companies to do this. Within a year, it was offering policies to people across 24 states and was then acquired by the White Mountains Insurance Group.

A decade later, Esurance was purchased by Allstate in a deal worth $1 billion and from there the brand continued to grow. Today, Esurance is available in 43 states and continues to offer direct insurance products. This means that you don’t need to go through an agent or use the telephone and can simply apply through www.Esurance.com.

Esurance Coverage Options

In addition to all the usual coverage options, including liability coverage, collision coverage, and comprehensive insurance, Esurance offers the following features:

Rental Coverage from CarMatch

If you have comprehensive coverage and collision coverage and your car is undergoing lengthy repairs or has been stolen, Esurance’s CarMatch service will provide you with a rental car for up to 6 weeks or to the value of $3,000.

CarMatch will keep you on the road and ensure your life isn’t ground to a screeching halt just because you no longer have access to your car.

Gap Insurance

Gap insurance is often required if your car is financed as it will ensure the entirety of the balance is paid if the car is totaled.

If you purchase your car for $30,000 worth of finance and then total it in 2 years, the insurer will typically pay the value of the car at the time it is destroyed. By that time, the value could have dropped by as much as 25% (new cars depreciate rapidly in the first few years) and thanks to the added interest, the balance may be much higher than its value at the time of the accident.

Gap insurance will cover the remainder and ensure you’re not left to foot the bill by yourself. With Esurance gap insurance, up to 25% of the car’s value will be covered, which should be enough to bridge the gap.

Roadside Assistance

Esurance policyholders can add roadside assistance for a small cost. If they breakdown by the side of the road, they will be covered for services such as tire changes and towing, although this cover has a limit of $75 and every call for roadside assistance is considered an insurance claim.

Drivesense

Drivesense is a mobile app that’s offered in most (but not all) states. It tracks driving habits and allows Esurance to paint an accurate picture of your behavior, including your speed and the time of day that you drive.

By agreeing to this app, you can get an immediate discount on your auto insurance policy. The underwriters will then use the data to tweak your premiums. If you’re a safe driver, you don’t spend a lot of time behind the wheel, and you don’t drive quickly, the Drivesense app is a great way to guarantee low premiums.

Other Types of Insurance

Esurance offers homeowners insurance policies in thirty-one states, with a further twelve states offered home insurance through one of Esurance’s many partners. These policies are comprehensive and cover many of the same things found with other major insurance providers. Esurance also offers a few things not found elsewhere, including additional water damage coverage.

Some of the additional features and discounts offered by Esurance home insurance policies include:

  • Save money if you have safety features fitted, including smoke detectors and alarms.
  • Spend less if you have a new home.
  • Choose to add identity theft protection to your policy.
  • Get cover if you own a house that has been extended.
  • Your first claim will not increase your rates or cause you to lose a no claims discount.

Average Cost of Esurance Across the United States

Esurance insurance rates are generally amongst the top 10 cheapest rates in any given state. In our research, we found that Esurance generally lagged behind the likes of GEICO and, in many other states, Safeco and State Farm, but the rates were consistently cheap enough to warrant including them in your comparison shopping.

To give you an idea of how much Esurance customers can expect to pay, take a look at the following average quotes.

  • Alabama: Average Cost of Minimum Insurance Coverage = $700; Average Cost of Full Insurance Coverage = $1,400.
  • Alaska: Esurance car insurance is not offered in this state.
  • Arizona: Average Cost of Minimum Insurance Coverage = $700; Average Cost of Full Insurance Coverage = $1,500.
  • Arkansas: Average Cost of Minimum Insurance Coverage = $600; Average Cost of Full Insurance Coverage = $1,500.
  • California: Average Cost of Minimum Insurance Coverage = $700; Average Cost of Full Insurance Coverage = $1,900.
  • Colorado: Average Cost of Minimum Insurance Coverage = $650; Average Cost of Full Insurance Coverage = $1,000.
  • Connecticut: Average Cost of Minimum Insurance Coverage = $800; Average Cost of Full Insurance Coverage = $1,750.
  • Delaware: Esurance car insurance is not offered in this state.
  • Florida: Average Cost of Minimum Insurance Coverage = $1,300; Average Cost of Full Insurance Coverage = $3,000.
  • Georgia: Average Cost of Minimum Insurance Coverage = $900; Average Cost of Full Insurance Coverage = $2,500.
  • Hawaii: Esurance car insurance is not offered in this state.
  • Idaho: Average Cost of Minimum Insurance Coverage = $400; Average Cost of Full Insurance Coverage = $1,000.
  • Illinois: Average Cost of Minimum Insurance Coverage = $600; Average Cost of Full Insurance Coverage = $1,100.
  • Indiana: Average Cost of Minimum Insurance Coverage = $450; Average Cost of Full Insurance Coverage = $900.
  • Iowa: Average Cost of Minimum Insurance Coverage = $350; Average Cost of Full Insurance Coverage = $1,500.
  • Kansas: Average Cost of Minimum Insurance Coverage = $500; Average Cost of Full Insurance Coverage = $1,400.
  • Kentucky: Average Cost of Minimum Insurance Coverage = $950; Average Cost of Full Insurance Coverage = $2,000.
  • Louisiana: Average Cost of Minimum Insurance Coverage = $1,100; Average Cost of Full Insurance Coverage = $3,000.
  • Maine: Average Cost of Minimum Insurance Coverage = $350; Average Cost of Full Insurance Coverage = $850.
  • Maryland: Average Cost of Minimum Insurance Coverage = $1,000; Average Cost of Full Insurance Coverage $1,900.
  • Massachusetts: Average Cost of Minimum Insurance Coverage = $500; Average Cost of Full Insurance Coverage = $1,200.
  • Michigan: Average Cost of Minimum Insurance Coverage = $1,000; Average Cost of Full Insurance Coverage = $2,000.
  • Minnesota: Average Cost of Minimum Insurance Coverage = $700; Average Cost of Full Insurance Coverage = $1,300
  • Mississippi: Average Cost of Minimum Insurance Coverage = $550; Average Cost of Full Insurance Coverage = $1,600.
  • Missouri: Average Cost of Minimum Insurance Coverage = $650; Average Cost of Full Insurance Coverage = $1,500.
  • Montana: Esurance car insurance is not offered in this state.
  • Nebraska: Average Cost of Minimum Insurance Coverage = $550; Average Cost of Full Insurance Coverage = $1,250.
  • Nevada: Average Cost of Minimum Insurance Coverage = $850; Average Cost of Full Insurance Coverage = $2,200.
  • New Hampshire: Esurance car insurance is not offered in this state.
  • New Jersey: Average Cost of Minimum Insurance Coverage = $1,000; Average Cost of Full Insurance Coverage = $1,800.
  • New Mexico: Average Cost of Minimum Insurance Coverage = $650; Average Cost of Full Insurance Coverage = $1,650.
  • New York: Average Cost of Minimum Insurance Coverage = $1,300; Average Cost of Full Insurance Coverage = $2,300.
  • North Carolina: Average Cost of Minimum Insurance Coverage = $400; Average Cost of Full Insurance Coverage = $1,050.
  • North Dakota: Average Cost of Minimum Insurance Coverage = $350; Average Cost of Full Insurance Coverage = $1,150.
  • Ohio: Average Cost of Minimum Insurance Coverage = $400; Average Cost of Full Insurance Coverage = $1,000.
  • Oklahoma: Average Cost of Minimum Insurance Coverage = $700; Average Cost of Full Insurance Coverage = $1,500.
  • Oregon: Average Cost of Minimum Insurance Coverage = $750; Average Cost of Full Insurance Coverage = $1,400.
  • Pennsylvania: Average Cost of Minimum Insurance Coverage = $550; Average Cost of Full Insurance Coverage = $1,350.
  • Rhode Island: Average Cost of Minimum Insurance Coverage = $900; Average Cost of Full Insurance Coverage = $2,300.
  • South Carolina: Average Cost of Minimum Insurance Coverage = $650; Average Cost of Full Insurance Coverage = $1,550.
  • South Dakota: Average Cost of Minimum Insurance Coverage = $400; Average Cost of Full Insurance Coverage $1,450.
  • Tennessee: Average Cost of Minimum Insurance Coverage = $450; Average Cost of Full Insurance Coverage = $1,300.
  • Texas: Average Cost of Minimum Insurance Coverage = $900; Average Cost of Full Insurance Coverage = $1,700.
  • Utah: Average Cost of Minimum Insurance Coverage = $550; Average Cost of Full Insurance Coverage = $1,300.
  • Vermont: Esurance car insurance is not offered in this state.
  • Virginia: Average Cost of Minimum Insurance Coverage = $500; Average Cost of Full Insurance Coverage = $1,300.
  • Washington: Average Cost of Minimum Insurance Coverage = $750; Average Cost of Full Insurance Coverage = $1,500.
  • West Virginia: Average Cost of Minimum Insurance Coverage = $750; Average Cost of Full Insurance Coverage = $1,550.
  • Wisconsin: Average Cost of Minimum Insurance Coverage = $350; Average Cost of Full Insurance Coverage = $950.
  • Wyoming: Esurance car insurance is not offered in this state.

Esurance Car Insurance Discounts

Discounts are offered by most car insurance companies and are a great way to bring those rates down and save a few bucks on your premiums. Esurance, like all good auto insurance companies, offers a wide spectrum of car insurance discounts, including:

  • Safety Discounts: If you have anti-theft and safety devices installed in your vehicle, you can save a substantial amount on your car insurance policy. Such features include airbags, anti-lock brakes, car alarms, and tracking devices.
  • Bundling: Also known as a multi-policy discount, this is provided to policyholders who purchase homeowners insurance and car insurance together.
  • Good Student Discount: Maintain at least a B average to collect on this student-centric car insurance discount.
  • AutoPay: By selecting AutoPay, going paperless and paying upfront, you could shave a few percent off the total cost of your premiums.
  • Multi-Car: If you have several drivers and vehicles in your household, add them to the same policy and you will save a huge amount of money compared to purchasing those policies separately.
  • Good Driver Discount: If you have no traffic violations or claims, you will be offered much lower rates in general.
  • Homeowners Discount: Homeowners and married policyholders will pay less than single renters.
  • Driver Course Discounts: Complete a driver safety course or defensive driving course to save on your Esurance policy.

Esurance Expert and Customer Reviews

Esurance has a poor score for claims satisfaction, with JD Power giving it a Below Average score overall. It also has a higher rate of complaints than many of its competitors, despite the fact that it scores surprisingly well for customer satisfaction.

​It seems, therefore, that the majority of customers are very happy with the process of applying for auto insurance, as well as the low cost of these policies. But as soon as they need to make a claim, Esurance drops well below the average satisfaction rates and there are a few red flags.

Although this is a concern, there’s nothing to suggest that Esurance is not paying out the amounts that it should. Instead, the majority of the complaints concern minor delays. Esurance also has a high financial strength rating from companies like AM Best, which is not surprising when you consider the reputation of its parent company.

Esurance Auto Insurance Review: Summary

Esurance is not as old as the likes of GEICO and State Farm and it also falls a little short in terms of the benefits and products it provides, with most of the additional options provided by partners.

However, if you’re looking for a low-cost direct insurance provider that doesn’t require you to go through insurance agents and streamlines the application process, look no further.

Source: pocketyourdollars.com

DWIs and Car Insurance Across the States

  • Car Insurance

A DUI conviction can have a major impact on your car insurance premiums, not to mention your finances and your freedom. A single drunk driving offence on your record can, in some states, increase insurance costs threefold, and if you have other blemishes on your record, those rates will be astronomical.

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But it’s not the end of the world. You can still get cheap auto insurance quotes with a DUI on your record; you just need to be extra cautious.

Why Do Insurance Rates Increase After DWI’s and DUI’s?

Insurance is all about risk. The insurers don’t want you to claim, as that’s not how they turn a profit, so they reward you with low rates when you’re less likely to claim and charge high rates when you’re more likely. 

For instance, they know that drivers between the ages of 16 and 19 are significantly more likely to make a claim than drivers in pretty much all other age groups (except for those aged 70+). They also know that new drivers are at risk and that most drivers in this demographic will be climbing behind the wheel for the first time.

To offset the inevitably high claims they will pay, they charge each driver in this category much more than they charge others. 

When you’re convicted of drunk driving, you’re deemed high risk because drivers with these types of convictions are significantly more likely to be involved in costly car accidents and to receive additional traffic violations.

In your eyes, it might have been a harmless mistake, something that you promise to never do again and something that doesn’t reflect your abilities as a driver, but the insurer doesn’t care about any of those things.

Insurers are all about statistics and probabilities, not sentimentality, and if you have a conviction then you’re a high risk, which means you will be charged more.

State Car Insurance Rates with DWIs

How a DUI affects your car insurance quotes depends on a number of different factors, the biggest of which concerns your state of residence. In some states, you’ll pay just $1,500 for full coverage with a DWI; in others, you’ll pay closer to $6,000.

  • Alabama – Full Cover Average Cost = $1,400; Minimum Cover Average Cost = $550; Average Cost of Full Cover with a Single DUI = $2,500
  • Alaska – Full Cover Average Cost = $1,200; Minimum Cover Average Cost = $450; Average Cost of Full Cover with a Single DUI = $2,800
  • Arizona – Full Cover Average Cost = $1,400; Minimum Cover Average Cost = $600; Average Cost of Full Cover with a Single DUI = $1,800
  • Arkansas – Full Cover Average Cost = $1,450; Minimum Cover Average Cost = $550; Average Cost of Full Cover with a Single DUI = $2,400
  • California – Full Cover Average Cost = $1,650; Minimum Cover Average Cost = $650; Average Cost of Full Cover with a Single DUI = $4,000
  • Colorado – Full Cover Average Cost = $1,600; Minimum Cover Average Cost = $650; Average Cost of Full Cover with a Single DUI = $2,400
  • Connecticut – Full Cover Average Cost = $1,700; Minimum Cover Average Cost = $850; Average Cost of Full Cover with a Single DUI = $3,200
  • Delaware – Full Cover Average Cost = $1,550; Minimum Cover Average Cost = $850; Average Cost of Full Cover with a Single DUI = $2,600
  • D.C. – Full Cover Average Cost = $1,550; Minimum Cover Average Cost = $750; Average Cost of Full Cover with a Single DUI = $2,600
  • Florida – Full Cover Average Cost = $2,350; Minimum Cover Average Cost = $1,100; Average Cost of Full Cover with a Single DUI = $3,700
  • Georgia – Full Cover Average Cost = $1,600; Minimum Cover Average Cost = $700; Average Cost of Full Cover with a Single DUI = $3,000
  • Hawaii – Full Cover Average Cost = $1,200; Minimum Cover Average Cost = $500; Average Cost of Full Cover with a Single DUI = $4,200
  • Idaho – Full Cover Average Cost = $950; Minimum Cover Average Cost = $350; Average Cost of Full Cover with a Single DUI = $1,500
  • Illinois – Full Cover Average Cost = $1,150; Minimum Cover Average Cost = $450; Average Cost of Full Cover with a Single DUI = $1,900
  • Indiana – Full Cover Average Cost = $1,000; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $1,500
  • Iowa – Full Cover Average Cost = $1,000; Minimum Cover Average Cost = $300; Average Cost of Full Cover with a Single DUI = $1,700
  • Kansas – Full Cover Average Cost = $1,300; Minimum Cover Average Cost = $450; Average Cost of Full Cover with a Single DUI = $2,200
  • Kentucky – Full Cover Average Cost = $2,150; Minimum Cover Average Cost = $1,000; Average Cost of Full Cover with a Single DUI = $3,600
  • Louisiana – Full Cover Average Cost = $3,000; Minimum Cover Average Cost = $1,150; Average Cost of Full Cover with a Single DUI = $4,200
  • Maine – Full Cover Average Cost = $900; Minimum Cover Average Cost = $350; Average Cost of Full Cover with a Single DUI = $1,500
  • Maryland – Full Cover Average Cost = $1,600; Minimum Cover Average Cost = $800; Average Cost of Full Cover with a Single DUI = $2,600
  • Massachusetts – Full Cover Average Cost = $1,300; Minimum Cover Average Cost = $550; Average Cost of Full Cover with a Single DUI = $2,350
  • Michigan – Full Cover Average Cost = $2,300; Minimum Cover Average Cost = $1,300; Average Cost of Full Cover with a Single DUI = $5,800
  • Minnesota – Full Cover Average Cost = $1,300; Minimum Cover Average Cost = $550; Average Cost of Full Cover with a Single DUI = $2,350
  • Mississippi – Full Cover Average Cost = $1,400; Minimum Cover Average Cost = $500; Average Cost of Full Cover with a Single DUI = $2,300
  • Missouri – Full Cover Average Cost = $1,300; Minimum Cover Average Cost = $500; Average Cost of Full Cover with a Single DUI = $1,900
  • Montana – Full Cover Average Cost = $1,250; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $2,100
  • Nebraska – Full Cover Average Cost = $1,200; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $1,750
  • Nevada – Full Cover Average Cost = $1,900; Minimum Cover Average Cost = $900; Average Cost of Full Cover with a Single DUI = $3,000
  • New Hampshire – Full Cover Average Cost = $1,050; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $1,850
  • New Jersey – Full Cover Average Cost = $1,800; Minimum Cover Average Cost = $1,000; Average Cost of Full Cover with a Single DUI = $3,000
  • New Mexico – Full Cover Average Cost = $1,250; Minimum Cover Average Cost = $500; Average Cost of Full Cover with a Single DUI = $2,000
  • New York – Full Cover Average Cost = $2,000; Minimum Cover Average Cost = $1,000; Average Cost of Full Cover with a Single DUI = $3,000
  • North Carolina – Full Cover Average Cost = $1,100; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $4,400
  • North Dakota – Full Cover Average Cost = $1,250; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $2,200
  • Ohio – Full Cover Average Cost = $1,050; Minimum Cover Average Cost = $450; Average Cost of Full Cover with a Single DUI = $1,700
  • Oklahoma – Full Cover Average Cost = $1,600; Minimum Cover Average Cost = $600; Average Cost of Full Cover with a Single DUI = $2,500
  • Oregon – Full Cover Average Cost = $1,250; Minimum Cover Average Cost = $650; Average Cost of Full Cover with a Single DUI = $1,850
  • Pennsylvania – Full Cover Average Cost = $1,150; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $1,850
  • Rhode Island – Full Cover Average Cost = $1,700; Minimum Cover Average Cost = $800; Average Cost of Full Cover with a Single DUI = $3,350
  • South Carolina – Full Cover Average Cost = $1,450; Minimum Cover Average Cost = $650; Average Cost of Full Cover with a Single DUI = $2,200
  • South Dakota – Full Cover Average Cost = $1,200; Minimum Cover Average Cost = $300; Average Cost of Full Cover with a Single DUI = $2,200
  • Tennessee – Full Cover Average Cost = $1,200; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $2,100
  • Texas – Full Cover Average Cost = $1,500; Minimum Cover Average Cost = $650; Average Cost of Full Cover with a Single DUI = $2,300
  • Utah – Full Cover Average Cost = $1,250; Minimum Cover Average Cost = $600; Average Cost of Full Cover with a Single DUI = $1,900
  • Vermont – Full Cover Average Cost = $1,000; Minimum Cover Average Cost = $300; Average Cost of Full Cover with a Single DUI = $2,050
  • Virginia – Full Cover Average Cost = $1,000; Minimum Cover Average Cost = $400; Average Cost of Full Cover with a Single DUI = $1,550
  • Washington – Full Cover Average Cost = $1,250; Minimum Cover Average Cost = $650; Average Cost of Full Cover with a Single DUI = $2,000
  • West Virginia – Full Cover Average Cost = $1,300; Minimum Cover Average Cost = $500; Average Cost of Full Cover with a Single DUI = $2,100
  • Wisconsin – Full Cover Average Cost = $1,000; Minimum Cover Average Cost = $350; Average Cost of Full Cover with a Single DUI = $1,950
  • Wyoming – Full Cover Average Cost = $1,200; Minimum Cover Average Cost = $350; Average Cost of Full Cover with a Single DUI = $2,200

How Much More Will I Pay?

You will always pay more for car insurance if you have a DUI on your record. That rate increase can’t be avoided, at least not entirely.

You can see the statewide average for full coverage insurance policies above and you can expect a similar price increase if you’re opting for minimum coverage, paying between 30% and 50% more on average.

How to Pay Less for DUI Car Insurance

As with any type of insurance and all types of insurance providers, there are ways you can reduce the cost of DUI insurance and save yourself a few dollars every month, including:

Move Quickly

Your insurer may increase your premiums as soon as you receive a drunk driving conviction. They may even drop you entirely, in which case you’re not insured and you’re somewhat in the dark.

It’s important, therefore, to act quickly and to start comparing rates as soon as that conviction lands. That way, if they offer you a new rate, you have something to compare it to and if they drop you completely, you have an alternative option.

Get Several Quotes

There’s nothing stopping you from getting multiple car insurance quotes from multiple car insurance companies. Thanks to online comparison websites and tools, it is easier than ever to get free insurance quotes, so shop around, get as many of these as you can, and don’t settle until you find the cheapest and best option.

Wait and Shop

DUI’s won’t affect your record in the same way forever. After a few years, it will stop having such a major impact on your rates. It’s imperative, therefore, that you shop for new car insurance policies after a few years and see if you can get a better deal elsewhere.

Don’t Forget About Discounts

You may have lost your good driver discount, but there are other discounts available and now that your car insurance rates have soared, they are more important than ever. 

Get all the discounts you can to bring those rates down as much as possible. You can get discounts for going paperless, paying in full, choosing auto-pay, completing driver courses, and being part of certain clubs.

Cheapest Car Insurance Companies When You Have a DUI

If you have a DUI on your record, auto insurance companies will be less keen to throw cheap premiums your way, but they still want your business. We recommend adding the following companies to your comparison search, but don’t stop there, and make sure you include a few members-only insurers and local insurers in your search:

  • Allstate
  • GEICO
  • State Farm
  • Progressive
  • Travelers
  • Safeco

Bottom Line: Getting Car Insurance After a DUI

Once you have a DUI on your record, you may be required to file a form known as an SR-22, which essentially proves that you have the minimum amount of car insurance coverage required. In some states, an FR-44 is required instead, but the idea is basically the same.

Often provided by your insurance company, this form will be sent to the DMV. You can read our FAQ on SR-22 forms to learn more about this process.

Depending on where you live, your DUI may impact your auto insurance rates for three years, five years or even ten years. In any case, it’s important to adopt safe driving habits, keep violations to an absolute minimum, and work hard to reduce your premiums where possible.

That way, when the timeframe is up, you can get a cheap car insurance policy and stop paying those extortionate rates.

If not, and if you get additional violations and DUIs, you could find yourself in serious trouble, with limited driving privileges, an extended license suspension, extensive fines, and even jail time.

Source: pocketyourdollars.com

Mercury Insurance Review

  • Car Insurance

Founded in 1961, Mercury is an insurance provider that has received a wealth of prestigious accolades over the years and is ranked as one of the cheapest providers across the 11 states in which it operates. 

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In this Mercury Insurance Review, we will compare this insurance company’s products, services, and prices to other insurance carriers and see how it stacks up.

Mercury Auto Insurance Coverage: Main Options

Mercury provides varying degrees of coverage. You can opt for the bare minimum requirement in your state or choose an extended coverage plan that will cover you for most eventualities.

To buy insurance from Mercury, you need to go through an agent. You can find details of Mercury insurance agents through the Mercury website or work directly with a local agent you already know.

The insurance coverage options include:

  • Liability Coverage: Bodily injury coverage and property damage coverage are both provided to help you meet the state minimum requirements. They can also be increased if you need a little more cover. Liability insurance is a requirement in most states.
  • Collision Coverage: Liability insurance covers the other driver during an at-fault accident. It does not cover you if you hit a tree or a wall. For that, you need collision coverage, which is provided by Mercury for an additional cost.
  • Comprehensive Coverage: An extensive policy option that will cover you for damage not related to car accidents, such as vandalism and weather/environmental damage. Comprehensive insurance also covers you in the event of a collision with an animal, which, surprisingly is not covered by collision insurance.
  • Personal Injury Protection (PIP): This insurance option covers you for personal damages, as well as lost wages, childcare costs, and other expenses that result from injuries sustained during a car accident. It will also cover you for these injuries if you are a passenger.
  • Medical Payments Coverage: Medical payments coverage is designed to cover your medical bills following an accident. It is required in a couple of states and often provides cover up to a few thousand dollars.
  • Rental Car Coverage: If your car is being repaired or was stolen, rental car coverage will ensure you can stay on the roads by providing you with a replacement vehicle for a fixed period of time.
  • Underinsured/Uninsured Motorist Coverage: A type of insurance that covers you when you are hit by an uninsured driver or an underinsured driver, essentially filling in the gaps that would otherwise have been paid by their insurer. 

Mercury Auto Insurance Coverage: Extra Insurance Options

In addition to the insurance options outlined above, Mercury Insurance also offers policyholders the chance to add the following:

  • Rideshare Insurance: The need for this insurance type has grown exponentially in the last few years, with more Uber and Lyft cars on the roads than ever. With rideshare insurance, you’ll be covered when you have passengers in your vehicle. It’s an important consideration if you drive for these services.
  • Roadside Assistance: If you’re stranded by the side of the road, roadside assistance will help with towing costs, tire changes, fuel deliveries, and other essentials. It’s worth noting, however, that this service is provided elsewhere and if you have a premium credit card or are part of an auto vehicle organization, you may already be covered.
  • Mechanical Breakdown Protection: Will cover the costs associated with a car breakdown and is important if your warranty has expired. A complete breakdown can be costly if you don’t have the necessary warranties, but this coverage option will step in to help.

Mercury Car Insurance Discounts

Mercury offers all the following discounts, allowing policyholders to save big on their insurance premiums:

  • RealDrive: The RealDrive program will track how many miles you drive and could offer you discounts if you’re a low mileage driver. Policyholders can save 5% just by signing up, with further discounts to come once the low mileage begins to register.
  • Good Student Discount: Save up to 10% if you can achieve and maintain a good grade point average as a student driver.
  • Good Credit Discount: Mercury rewards drivers with a good credit score and a clean credit history. In fact, the savings offered here can be as high as 75%, which is more than you find with the majority of other major insurance providers.
  • Good Driver Discount: Maintain a good driving record for a discount of between 15% and 20%.
  • Student Away Discount: Students who live on campus can save up to 10% on their premiums.
  • Anti-Theft Devices: If you have these devices in your car, the risk of theft will be reduced, and Mercury will offer you savings of up to 5%.
  • Multi-Car Discount: By adding a second car to your policy you could save as much as 25%.

Other Types of Insurance Policies Offered by Mercury

​Mercury offers homeowners insurance, renters insurance, condo insurance, business insurance, umbrella insurance, and commercial auto insurance, although many of these are restricted to just a handful of states and may not be available where you live.

If you purchase car insurance with any of the home insurance options outlined above, you can get a multi-policy discount, also known as bundling. The amount that you can save differs from state to state but averages out at around 10%.

Is Mercury Insurance Available Everywhere?

Mercury is offered in all of the following states: 

  • Arizona
  • California
  • Oklahoma
  • Florida
  • Illinois
  • Georgia
  • Nevada
  • New York
  • New Jersey
  • Virginia
  • Texas

It also offers specific services and coverage options that are limited to a handful of states, such as rideshare insurance, which is offered only in California, Nevada, and Arizona, and commercial insurance, which is offered everywhere except for New Jersey and New York.

Mercury Insurance Claims

To make a claim with Mercury, simply phone the claims hotline (1 (800) 503-3724) any time of the day or night. A support rep will take all information from you, so describe the accident and the damage in as much detail as you can. The claim will be recorded, so you won’t need to repeat yourself in the future.

The rep will walk you through the details of your policy and can also arrange for your car to go to a body shop or to be towed. You can also find a body shop yourself by going through the Mercury website.

Customer Satisfaction

The Mercury Insurance Group has a high financial strength rating from AM Best and good ratings from JD Power. It’s a reputable, established, and award-winning company that has been going strong for over 50 years and has insured millions of drivers in that time.

But as promising as all of this is, there is one thing that lets Mercury down, and that’s its customer support. Mercury scores fairly poorly in this department and while the majority of customers are happy with the service provided, there is a disproportionate number of dissatisfied and even angry consumers.

Bottom Line

Mercury may offer the cheapest insurance rates in your state. It may offer the best coverage options and the most dedicated service. At the same time, you could find a better service and much better prices elsewhere.

Many policyholders switch to Mercury from GEICO and Progressive. In fact, these are the two main providers that Mercury customers switch from. But that does not mean Mercury is better than GEICO and Progressive. And even if it did provide better rates and options for one person, that doesn’t mean it will do the same for you.

That’s why it is important to get auto insurance quotes from multiple providers.

Source: pocketyourdollars.com

NJM Insurance Review

  • Car Insurance

The NJM Insurance Group was founded way back in 1913 and offers a wealth of insurance products to individuals in New Jersey, New York, Delaware, Connecticut, Maryland, and Pennsylvania.

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It’s one of the highest-rated car insurance companies in the United States and offers a wealth of products in a direct-to-consumer model, with transactions completed over the phone or at NJM.com, and not through insurance agents.

In this NJM Auto Insurance Review, we’ll see how New Jersey business holds up against the competition.

NJM Car Insurance

All NJM Insurance products are offered direct, much like Esurance. This has its benefits and is the preferred method for countless consumers who have grown up in the digital age. But if you prefer dealing with someone face-to-face, the lack of an insurance agent can be a pain.

NJM Insurance offers all of the basic, state-required forms of insurance, including bodily injury and property damage liability cover. It also offers underinsured/uninsured motorist cover, medical payments cover, and both collision and comprehensive coverage. If you opt for the latter, you will receive all the following benefits:

  • Pet Coverage: Always a welcome sight on car insurance policies, this extra feature will payout up to $1,000 if your pet is hurt in a car accident. It only makes sense, because if your dog or cat is in the car with you and you’re in an accident, your repair bills and medical bills aren’t the only things you have to worry about.
  • New Car Replacement: Your new car will be covered if it is completely destroyed or stolen within the first 12 months, providing it has less than 15,000 miles on the clock. NJM Insurance will give you the money needed to buy a replacement vehicle.
  • Car Rental Reimbursement: Not only does NJM Insurance offer car rental coverage if your insured car is in the shop or has been stolen, but this also extends to taxis and rideshares, depending on the policy and the location.
  • NJM SafeDrive: This program works in much the same way as DriveEasy, DriveWise, and the countless other similar programs out there. NJM Insurance tracks the driving habits of all applicants who agree to this program, changing their premiums accordingly.

NJM Insurance Car Insurance Discounts

Like all good auto insurance companies, NJM Insurance offers a wealth of car insurance discounts. These can be added to all applicable auto policies and provide significant savings:

  • Multi-Car and Multi-Policy: Offered when you add more than one vehicle to your policy or purchase a homeowners insurance policy as well.
  • Driving Courses: Available for all applicants that complete a defensive driving course and other safety courses.
  • Paying Upfront: Offered when you pay for your premiums in full.
  • Safety Equipment: Provided for safety equipment such as airbags and anti-lock brakes, as well as anti-theft features.
  • New Car: Obtainable if your car is no more than 2 years old.
  • Good Student: A discount provided to young drivers who maintain a specific grade point average. NJM Insurance also has discounts for students who spend a lot of time on campus.

Other NJM Insurance Products

In addition to auto insurance policies, NJM Insurance offers homeowners insurance with all the following features and benefits:

  • Extra Coverage: Get extra coverage for expensive items, including jewelry, high-priced electronics/equipment, and family heirlooms. If you have anything in your home that carries a substantial value, this feature can ensure it is covered completely.
  • Earthquake Insurance: If your home is damaged in an earthquake, resulting in significant loss, NJM Insurance will ensure you’re covered. NJM Insurance doesn’t offer insurance products in any of the ten states where earthquakes are most common, but they can occur anywhere, so it’s still a good option to have.
  • Water Coverage: You will already be covered in the event your home suffers from internal water damage, such as leaks. But with this feature, you will also be covered for up to $5,000 following an overflown sump pump.
  • Mold and More: Dry rot and mold can spread rapidly and cause serious damage to your home. Before you know it, the fungi have taken over and left you with expensive repair work. Fortunately, with NJM home insurance, you may be covered.
  • Fraud and ID Protection: The amount of money stolen by fraudsters in the United States has remained relatively stable over the last 5 years or so. However, the number of victims has increased significantly, suggesting that fraudsters are now targeting more vulnerable people, including those who have very little to lose in the first place. With these extra protection options, NJM home insurance will cover you for the financial damages that result from fraud and ID theft.

A multitude of home insurance discounts are also available and offer policyholders a chance to save a few cents on their cover. Discounts are available for all the following:

  • Smoke-Free: NJM will shave some money off your policy if you install a smoke alarm or sprinkler system. You can also save some money if you are a non-smoker. There are over 350,000 house fires every year in the US resulting in nearly $7 billion worth of damage. With these two benefits, you significantly reduce the risk of such an issue.
  • Safety Features: There are over 7 million property crimes in the United States every year, leading to the theft of belongings and property damage. By installing features such as burglar alarms, there’s less chance you will be the victim of this type of crime, and your premiums will match this. 
  • State-Only Discounts: In the state of New Jersey, policyholders can save money by installing impact-resistant glass, while a paperless billing discount is offered in Pennsylvania.

NJM Insurance Car Insurance Rates

​NJM Insurance has cheap rates in general, but these rates won’t suit everyone. It’s one of the cheapest car insurance providers in the state of New Jersey and offers especially low rates for drivers with at-fault accidents and other blemishes on their driving records.

However, this usually only applies if those drivers have good credit scores.

With lots of insurance claims, speeding tickets, and other marks, and a bad credit score, you likely won’t get the best insurance rates here or anywhere else for that matter. Still, be sure to get a quote, compare it to other auto insurance quotes, and choose the best one.

NJM Insurance Reviews and Ratings

NJM Insurance has an A+ rating from AM Best and has maintained at least an A rating for several decades. It has also received high ratings from JD Power, who have previously voted this insurer as one of the best for claims satisfaction and customer satisfaction.

You don’t have to look far to find bad reviews and complaints, but the same can be said for all car insurance companies.

The simple fact is, more consumers leave bad reviews than good ones. If a company provides them with the service they expect, they’ll just move on, maybe tell a few friends, and leave it at that. If they falter in any way, the consumer will leave a bad review and maybe even complain, as that’s the only way they feel like they can get through to big corporations.

Contacting NJM

NJM Insurance has several offices, the biggest of which is located at 301 Sullivan Way, West Trenton, New Jersey.

If you have any questions, you can get in touch via a contact form at NJM.com or dial the following phone number: 1-800-232-6600.

As noted already, there are no NJM insurance agents and you will need to go through the website or, if you prefer, to speak with someone directly, opt for a phone call. In any case, the process is quick and easy.

Bottom Line

We definitely recommend getting an auto insurance quote from NJM Insurance, but this shouldn’t be your only quote. As always, it’s important to see what you can get elsewhere, as the chances of you getting the best possible coverage from the very first provider you try are pretty slim.

Get quotes from the likes of State Farm, SafeCo, Allstate, Progressive, Nationwide, and more. If NJM Insurance has the cheapest and the best, great! You can sign up for an auto insurance policy with a very competent and highly reputable provider. If not, other providers are just as reliable.

Source: pocketyourdollars.com

Underinsured Motorist Coverage: How Much and Do You Need it?

  • Car Insurance

Most states have minimum requirements for liability coverage. Often set at $25,000 per person and $50,000 per accident, this type of insurance covers you when you are at-fault in an accident and cause damage to the driver and their property.

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If the other driver is at fault, their liability insurance will cover you. Tit-for-tat, all is well. But what happens if you’re hit by a driver who doesn’t have enough insurance to cover the costs of your medical expenses and property damage?

That’s where underinsured motorist coverage comes in. Often bundled with uninsured motorist coverage and required in a handful of states, this insurance provides some cover against the growing number of uninsured and underinsured drivers on US roads.

How Common are Uninsured and Underinsured Drivers?

It has been estimated that there are between 1 in 7 and 1 in 8 uninsured drivers on American roads. This is a huge number when compared to many other developed nations, and it’s even bigger in states like Florida, where an estimated 25% of drivers don’t have adequate car insurance.

If you’re involved in a car accident that is not your fault, and the other driver doesn’t have adequate cover, you could be left to foot the bill. If you have uninsured/underinsured motorist cover, however, it will step in and assume the role typically played by property damage liability and bodily injury liability insurance.

You choose the type that you buy and the extent of the limits. In that sense, it also works just like the aforementioned liability insurance.

There are two types of cover:

  • Underinsured/Uninsured Motorist Bodily Injury Coverage: Also known as UMBI, this is provided on a per person and per accident basis, much like bodily injury liability insurance.
  • Underinsured/Uninsured Motorist Property Damage Coverage: Also known as UMPD, this is offered on a per accident basis.

Uninsured/Underinsured Motorist Coverage

You can add underinsured/uninsured driver cover to your insurance policy in most states. It’s optional, along with coverage options like collision coverage, comprehensive coverage, and medical payments.

In some states, however, it’s mandatory, and you will be considered underinsured yourself if you don’t have all the necessary cover.

  • Connecticut: $20,000 Per Person; $40,000 Per Accident. Both underinsured and uninsured.
  • D.C: $25,000 Per Person; $50,000 Per Accident. Only uninsured coverage required.
  • Illinois: $20,000 Per Person; $40,000 Per Accident. Only uninsured coverage required.
  • Kansas: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • Maine: $50,000 Per Person; $100,000 Per Accident. Both underinsured and uninsured.
  • Maryland: $30,000 Per Person; $60,000 Per Accident. Both underinsured and uninsured.
  • Massachusetts: $20,000 Per Person; $40,000 Per Accident. Only uninsured coverage required.
  • Minnesota: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • Missouri: $25,000 Per Person; $50,000 Per Accident. Only uninsured coverage required.
  • Nebraska: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • New Hampshire: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • New Jersey: $15,000 Per Person; $30,000 Per Accident. Both underinsured and uninsured.
  • New York: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • North Carolina: $30,000 Per Person; $60,000 Per Accident. Both underinsured and uninsured.
  • North Dakota: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • Oregon: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • South Carolina: $25,000 Per Person; $50,000 Per Accident. Only uninsured coverage required.
  • South Dakota: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • Vermont: $50,000 Per Person; $100,000 Per Accident. Both underinsured and uninsured.
  • Virginia: $25,000 Per Person; $50,000 Per Accident. Both underinsured and uninsured.
  • West Virginia: $20,000 Per Person; $40,000 Per Accident. Only uninsured coverage required.
  • Wisconsin: $25,000 Per Person; $50,000 Per Accident. Only uninsured coverage required.

How Much is Underinsured and Uninsured Motorist Insurance?

As with all other types of coverage, the amount you pay for underinsured/uninsured motorist insurance varies by state, driver, and insurance company. Generally, it costs around half of what you pay for liability insurance, assuming you pay for the same amount of cover.

The insurance company will consider what type of driver you are, how many claims you have had, and where you live. All of these factors will impact your rates.

You can bring the total price of your auto insurance policy down by trying the following:

  • Improve your credit score.
  • Pass a defensive driving course.
  • Achieve and maintain good grades.
  • Use multi-car or multi-policy discounts where possible.
  • Join membership clubs for discounts.
  • Make sure your car has anti-theft devices and safety features.
  • Pay for your premiums upfront.
  • Sign up for paperless and Auto-pay discounts.
  • Check low-mileage programs and good driver programs.
  • Maintain a safe driving record.

Bottom Line: Do You Need Underinsured Motorist Coverage?

If your state requires it, you don’t have a choice: you need uninsured/underinsured cover on your car insurance policy. But what happens if your state doesn’t require it, at what point should you start considering these insurance products?

  • Your State Has a Lot of Uninsured Drivers: The more of these drivers there are in your area, the greater your risk is and the more important UMBI and UMPD coverage options are.
  • You Have an Expensive Car: If you drive a luxury, high-price vehicle and your state has very low liability requirements, you should consider underinsured motorist coverage. Without it, you could be seriously out of pocket if you’re involved in an accident, even if the other driver was at fault.
  • You Want Extra Protection: With underinsured/uninsured motorist insurance, you will also be covered for a hit-and-run, even if you are a pedestrian. The extra cover provided by these options will ensure you’re prepared for more eventualities and give you some much-needed peace of mind at the same time.
  • Good Price: Last but not least, if this insurance coverage can benefit you in any way and you can get it for a good price, why not add it to your policy? It will seem like a genius move in the event of an accident with an uninsured/underinsured driver, making all those extra cents worthwhile.

Source: pocketyourdollars.com

Where, When, and Why to Buy Rental Car Insurance

  • Car Insurance

What should you do when you’re offered rental car insurance at the rental counter? It’s designed to protect you if you crash your rental car or it is stolen/vandalized, but do you really need it, is it worth the extra cost, and can you find it elsewhere?

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What is Rental Car Insurance?

Car rental insurance is offered to renters as a way of protecting them from damage done to a rental vehicle. If the driver doesn’t have insurance and damages the car, the rental company may chase them for compensation as they seek to cover the repair costs.

Rental car insurance covers the following:

  • Loss and Damage Waiver: This type of insurance will cover all the damage done to a vehicle if it is involved in a car accident. It will also include losses accrued when the car is stolen or vandalized, as well as something known as loss of use, which is the money lost by the car rental company when the car is getting repaired.
  • Supplemental Liability: If you are at-fault for an accident then you may be liable for damages, including medical expenses and property damage. Supplemental liability covers you for these claims.
  • Personal Effects: Protects you from loss of personal items. If, for instance, you leave a laptop in the car only for the car or laptop to be stolen, you will receive a payout relative to the value of that item.
  • Personal Accident Insurance: This coverage option will pay for medical bills if you are hurt in an accident. It will also cover your passengers.

You can purchase a waiver to make sure you’re protected and won’t be hassled for money. But if you have a full coverage car insurance policy, a premium credit card, and even a health insurance policy, you may already have cover.

Here are a few ways you can get car rental insurance:

1. Rental Car Insurance from Your Insurance Company

There’s a good chance you will already be covered by your personal auto insurance policy. Before you agree to any additional insurance coverage, scan your auto policy to see if you’re already covered. If you have the following, there’s a chance you will be covered. If not, and if you plan on renting a lot of cars in the near future, consider adding them to your personal auto policy:

  • Liability Insurance: The liability insurance you have on your personal car insurance policy will often cover rental cars as well. This type of coverage is required in most states, so as long as you are fully insured, there’s a good chance you won’t need to purchase any supplemental liability insurance.
  • Personal Injury Protection: PIP covers you even when you’re not driving your own car and may, therefore, supply you and your passengers with cover when driving a rental car. It won’t pay for property damage, but it will pay for any bodily injury that you and/or your passengers suffer. The same applies to medical payments cover, although this is much less common.
  • Comprehensive Coverage and Collision Coverage: Not everyone has collision and comprehensive coverage options as they are not required on older, high-mileage vehicles. But if you do have them, you should be covered in a rental car. Collision insurance will cover you for damages to personal property damage in a crash, regardless of who was at fault. Comprehensive coverage will protect you against damage caused by non-collision-related incidents, including vandalism and weather damage.

2. Rental Car Insurance from Credit Card Companies

Your credit card may offer you more perks than you realize. If you have a premium rewards card, you might be surprised to learn that its benefits don’t stop with generous reward schemes, account opening bonuses, and intro rates. In fact, in addition to offering rental car coverage, some top credit cards also provide roadside assistance services, travel protection, purchase protection, and more.

Here are just a few of the popular credit cards that have car rental insurance, along with the other lesser-known features they have:

Chase Sapphire Preferred Card

The Chase Sapphire Preferred is an accessible credit card for most consumers. It doesn’t require you to spend a lot of money every month and even small households will spend enough to make this a viable choice.

The Chase Sapphire Preferred offers complimentary rental car coverage when you use your card to complete the purchase. It will cover you in the event of an accident or theft, providing you supply them with details such as a police report, pictures of the damage, and proof that you paid the car rental company with your credit card.

This card also offers:

  • Travel protection benefits.
  • No foreign transaction fees.
  • Free DashPass subscription.
  • Purchase protection benefits.

Chase Sapphire Reserve

One of our personal favorite travel reward credit cards, the Chase Sapphire, offers a high rate of return every time you use your card to make travel purchases and then redeem your points for travel. The Chase Sapphire Reserve has an auto rental Collision Damage Waiver or “CDW”. It is a primary coverage option that covers you for theft and damage, and it applies to the cardholders as well as authorized users.

For this insurance to apply, you must use your Chase Sapphire card to cover the full cost of the rental car and decline all additional insurance offered to you by the rental car company. Other features you may not know about include:

  • Free credit with TSA PreCheck or GlobalEntry offered every 4 years.
  • Insurance for lost and delayed baggage.
  • Emergency medical coverage.
  • Access to travel lounges.
  • Travel insurance.

American Express BlueCash Everyday Card

AmEx credit cards offer car rental protection when you use your car to complete the sale. The Blue Cash card is one of the more accessible of these cards as it doesn’t have the high annual fees and welcome offer requirements found with the likes of the Gold and Platinum AmEx cards.

You will be covered for rental car damage up to a specific limit, providing your rental period does not exceed 30 days. 

This card also offers the following perks, in addition to no annual fee and a high rate of rewards:

  • 24/7 access to emergency medical care.
  • Access to ticket presales and other entertainment-based benefits.
  • Passport replacement assistance.
  • Missing luggage assistance.

3. Other Insurance Coverage

Health insurance won’t cover you for damage done to a rental car itself, but it will cover you for the medical costs resulting from a car accident. What’s more, if you have home insurance or renters insurance then you should be covered for loss of possession resulting from theft or vandalism.

Again, this won’t include the car itself, but it will include handbags, jewelry, laptops, and other expensive items you left in the car.

Last but not least, you may have extra coverage from your travel insurance. This form of insurance is always recommended if you’re taking long and expensive trips and if you check your policy you may find that it covers rental cars.

4. Rental Car Insurance from the Rental Agency

Car rental companies will encourage you to purchase a type of auto insurance policy known as a loss damage waiver (LDW) or collision damage waiver (CDW).

This will cover you in the event of an accident. It will also cover you if the car is stolen or vandalized. But it’s not necessary, and if you’re being offered cover by your credit card issuer, it’s important to reject this additional insurance.

Bottom Line: Do You Need Rental Car Insurance?

You should definitely consider rental car insurance. It can be expensive, but not if you do your research, look for the cheapest options, and check to see if you already have some areas covered. Furthermore, it provides peace of mind, which is often worth the additional cost.

Source: pocketyourdollars.com

Bodily Injury and Property Damage Liability Coverage

  • Car Insurance

Bodily injury liability coverage and property damage liability coverage are required in most states. If you cause an accident, these coverage options will protect you against litigation and loss resulting from the other driver’s property and physical damage.

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Both of these coverage options have fixed coverage limits and these limits are determined by your insurance policy. In this guide, we’ll look at the state minimum requirements for liability coverage limits and help you to get the cover that you need.

Bodily Injury Coverage vs Property Damage Coverage

If you are found to be at-fault for an accident, bodily injury coverage protects you against the medical expenses of the other party. It will also cover you for legal fees, lost wages, and other expenses that are a direct result of the other driver’s injuries.

Bodily injury cover is typically fixed as a per person amount and a per accident amount, with the latter typically being twice the size of the former.

As for property damage insurance, this covers you for damage done to the other driver’s vehicle, as well as damage done to fences, yards, doors, telephone poles, and anything else that feels damaged during the accident.

There is also something known as umbrella insurance. This provides protection beyond the maximum amount provided by liability insurance.

Minimum Liability Insurance Coverage by State

A specific amount of liability coverage is required in every state. For you to be completely legal on the roads, you need to make sure these requirements are met.

We have listed all minimum state requirements below but bear in mind that this only covers liability insurance. Many of these states also have minimum requirements relating to other forms of coverage, including personal injury protection, medical payments, and more, details of which you can find at the bottom of the below list:

  • Alabama = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Alaska = Per Person Cover for Bodily Injury = $50,000; Per Accident Cover for Bodily Injury = $100,000.
  • Arizona = Per Person Cover for Bodily Injury = $15,000; Per Accident Cover for Bodily Injury = $30,000.
  • Arkansas = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • California = Per Person Cover for Bodily Injury = $15,000; Per Accident Cover for Bodily Injury = $30,000.
  • Colorado = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Connecticut = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Delaware = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Florida = Per Accident Cover for Bodily Injury = $15,000.
  • Georgia = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Hawaii = Per Person Cover for Bodily Injury = $20,000; Per Accident Cover for Bodily Injury = $40,000.
  • Idaho = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Illinois = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Indiana = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Iowa = Per Person Cover for Bodily Injury = $20,000; Per Accident Cover for Bodily Injury = $40,000.
  • Kansas = Per Person Cover for Bodily Injury = $25,000 Per Accident Cover for Bodily Injury = $50,000.
  • Kentucky = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Louisiana = Per Person Cover for Bodily Injury = $15,000; Per Accident Cover for Bodily Injury = $30,000.
  • Maine = Per Person Cover for Bodily Injury = $50,000; Per Accident Cover for Bodily Injury = $100,000.
  • Maryland = Per Person Cover for Bodily Injury = $30,000; Per Accident Cover for Bodily Injury = $60,000.
  • Massachusetts = Per Person Cover for Bodily Injury = $20,000; Per Accident Cover for Bodily Injury = $40,000.
  • Michigan = Per Person Cover for Bodily Injury = $20,000; Per Accident Cover for Bodily Injury = $40,000.
  • Minnesota = Per Person Cover for Bodily Injury = $30,000; Per Accident Cover for Bodily Injury = $60,000.
  • Mississippi = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Missouri = Per Person Cover for Bodily Injury = $25,000. Per Accident Cover for Bodily Injury = $50,000.
  • Montana = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Nebraska = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Nevada = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • New Hampshire = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • New Jersey = Per Person Cover for Bodily Injury = $15,000; Per Accident Cover for Bodily Injury = $30,000.
  • New Mexico = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • New York = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • North Carolina = Per Person Cover for Bodily Injury = $30,000; Per Accident Cover for Bodily Injury = $60,000.
  • North Dakota = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Ohio = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Oklahoma = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Oregon = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Pennsylvania = Per Person Cover for Bodily Injury = $15,000; Per Accident Cover for Bodily Injury = $30,000.
  • Rhode Island = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • South Carolina = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • South Dakota = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Tennessee = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Texas = Per Person Cover for Bodily Injury = $30,000; Per Accident Cover for Bodily Injury = $60,000.
  • Utah = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $65,000.
  • Vermont = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Virginia = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Washington = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Washington D.C. = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • West Virginia = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Wisconsin = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.
  • Wyoming = Per Person Cover for Bodily Injury = $25,000; Per Accident Cover for Bodily Injury = $50,000.

Do You Need More than the Minimum?

If you have a lot of financial assets, it’s generally not a good idea to stick with the minimum coverage. The more you have, the greater the target on your head following an accident. 

You can save yourself a few bucks by keeping your cover to a minimum, but if the claim exceeds your cover then you’ll be responsible. And if you don’t have the cash but you do have the assets, they may be seized.

Other Types of Coverage Options

In addition to bodily injury liability and property damage liability, many states also require the following:

Uninsured/Underinsured Motorist Coverage

With underinsured/uninsured motorist protection, you will be covered even if the other driver doesn’t have adequate auto insurance. You are required to have uninsured/underinsured coverage in all of the following states:

  • Connecticut
  • D.C
  • Illinois
  • Kansas
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Missouri
  • Nebraska
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • North Dakota
  • Oregon
  • South Carolina
  • South Dakota
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin

Medical Payments

Medical payments coverage is designed to cover medical bills and is optional in most states. However, residents of Maine, New Hampshire, and Pennsylvania are required to have medical payments cover as part of their minimum auto insurance coverage.

Personal Injury Protection (PIP)

PIP is a more extensive and all-encompassing form of medical payments coverage, one that pays for medical expenses and also covers lost earnings, childcare costs, and more. It is required in 15 states, including: 

  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Texas
  • Utah

Bottom Line: Liability Limits and Coverage Options

We’ve only just scratched the surface with regard to the types of coverage options that you can purchase.

In addition to all of the coverage options outlined above, policyholders can also choose to add collision coverage, comprehensive coverage, roadside assistance, pet injury cover, and more. Insurance companies offer dozens of options and features, all geared towards protecting you when you are in a car accident and keeping your losses to an absolute minimum.

The next time you buy a car insurance policy, make sure you understand all of these elements and know exactly what your state minimum limits are and what additional coverage options you need based on the type of car you try, the area in which you live, and more.

For more information, read our many other guides on car insurance, including how to find the cheapest policies and how to get the best car insurance discounts.

Source: pocketyourdollars.com

Getting Cheap Car Insurance After Divorce

  • Car Insurance

A divorce is one of the most traumatic things you can go through and the longer you have been with that person, the more traumatic it will be. When you share your life with someone for many years, it’s only natural that you’ll feel a sense of loss and uncertainty when they go. 

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You need to make some big changes to your everyday life, such as severing all financial ties with your ex, car insurance included. In this guide, we’ll provide you with some top tips for separating your car insurance policy following a divorce, helping you find the cheapest rates as a divorced driver.

Will Insurance Rates Increase Following a Divorce?

Car insurance companies offer cheaper rates to married homeowners. They also provide additional discounts if those policyholders purchase home insurance or renters insurance along with their car insurance.

Following a divorce, not only will your marital status change, but you may also lose those bundling discounts.

Fortunately, there are ways that you can avoid paying high premiums after a split, including:

1. Stay on the Same Policy

If the separation was amicable, consider maintaining the same policy. Turning one policy into two will see you lose several key benefits and could mean much higher premiums for both of you. It’s much better, therefore, to stick with one policy.

Such an agreement probably isn’t possible if the split was hostile, in which case you have no other choice but to get separate policies.

2. Move to a Different Area

The cost of car insurance coverage differs greatly from state to state and even county to county. Your zip code has more of an impact on your rates than your marital status, and if you move from a state like Michigan to one like Maine or Vermont, you will experience a considerable drop in your insurance premiums.

Insurance companies look at the prevalence of weather damage, vandalism, thefts, car accidents, and more in your area, before using this data to determine your risk factor.

3. Get a Different Car

The stereotype of the divorced man is one of someone who immediately sells the family SUV and instead opts for a luxury sports car. This is a bad idea for many reasons.

Firstly, making an impractical choice like this will probably come back to bite you a few months down the line, when the gas bills hit your pocket hard and you realize you don’t have space for your kids, luggage or anything else.

Secondly, you’ll be hit with much higher car insurance rates. Underwriters look at safety ratings, anti-theft devices, safety features, and the cost of repairs, and in nearly all cases, a sensible and practical SUV will score much higher than a luxury sports car.

In some cases, you’ll pay two to three times as much to insure a luxury car, so if you want to save, opt for something a little more sensible.

4. Shop Smart

The best car insurance policy isn’t the one you have right now. There are always better options, and this is especially true when you go through a major change like a divorce.

Your insurance company may offer you competitive rates on a new policy, but you won’t know how good those rates actually are until you shop around and see what you can get elsewhere.

In our research, we got insurance quotes from over 20 providers and found a difference of 150% between the cheapest and the most expensive. All insurance providers were reputable, established brands and all quoted us a price for a middle-aged divorced male driver. 

You may get different quotes elsewhere based on your location, driving record, and vehicle, but you’ll likely experience just as much disparity.

Shop around, get as many quotes as possible, speak with insurance agents, and don’t settle until you get a price you’re sure is the cheapest.

5. Get Discounts

If you haven’t renewed your auto insurance policy in a while, you may be entitled to more discounts. This is especially true if you go with an insurer that offers options not available with your previous provider.

Car insurance discounts vary and you may not qualify for all of them, but it’s worth looking into them:

  • Good Student Discount: Not a discount that you or your former spouse will likely qualify for, but a substantial one, nonetheless. Often available to teen drivers, this discount is offered to policyholders who maintain a high grade point average.
  • Defensive Driving Course: Many providers and states offer these discounts to older and younger drivers, but only if they are taking these courses voluntarily.
  • Multi-Car Discount: If you have several cars, you can add them to the same policy to save.
  • Good Driver Discount: Maintain a clean, safe driving record to secure this discount.
  • Membership Clubs: If you are a member of an auto club you may be entitled to a small discount on your car insurance premiums.
  • Payment Discounts: Pay for your auto policy upfront or go paperless and you could receive a small discount.

Don’t Forget Other Insurance Policies

Even if one or both of you live in the same house as before, you will still need to inform your insurance company about the recent change in circumstances. When the divorce has been finalized and two turns into one, the policy may need to be redrafted entirely.

Not changing this policy could render it invalid when it comes time to make a claim, so it’s always worth keeping your insurance carrier in the loop.

As for life insurance, there’s a good chance your ex-spouse was listed as one of the beneficiaries, if not the sole beneficiary. Many divorced couples will immediately write their ex out of the policy, but this isn’t always the best thing to do.

If you have young children with your former partner, you should consider keeping your spouse as a beneficiary. By acting out of anger and removing them from the list of beneficiaries, you run the risk of there being no legal heirs at all. If this is the case and you die before adding another legitimate beneficiary, the money will go to your estate and a legal battle will ensue as your loved ones try to seize control.

Your children will still get the money eventually, but only after fighting for their share with other family members and debtors. 

If a death benefit is paid to your estate, all your creditors will be entitled to their share, and if you have a lot of debts, there may be nothing left by the time your children get their hands on it. 

Think about your kids before you act to spite your ex-husband or wife.

Bottom Line: Save Where Possible

One of the best things you can do following a divorce is to tighten your belt, try to think sensibly and logically, and don’t make any rash decisions.

There could be some expensive times ahead. You may be required to pay legal fees, child support, and alimony; you may lose time off work while gaining a whole heap of stress. The last thing you want on top of this is an expensive car insurance policy.

Buy the right cars, keep all insurance costs down, avoid spending frivolously, and continue to work on building a safe driving history. 

The decisions you make now could impact your finances for years to come, so plan carefully, execute sensibly, and don’t act on impulse.

Source: pocketyourdollars.com

Ameriprise Insurance Reviews

  • Car Insurance

Ameriprise Financial is a financial services company that was founded over 120 years ago and offers insurance products, as well as wealth management, estate planning, and other services. It is available in 33 states, including Washington D.C, and offers relatively cheap auto insurance and home insurance in all of them.

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Ameriprise Auto Insurance Coverage Options

Ameriprise doesn’t have the cheapest car insurance options for the majority of drivers. It struggles to match the likes of GEICO, State Farm, and Allstate in that area and will almost certainly not compare to the low rates offered to military members via USAA.

But Ameriprise insurance rates are competitive, nonetheless, and all the main coverage options are available, including:

  • Liability Coverage Insurance: Bodily injury and property damage cover are required in most states, with the exception of just a couple. With the Ameriprise insurance company, you can get the bare minimum cover that you need and extend this where required.
  • Collision Coverage: Collision coverage provides a payout when you damage your vehicle and are not covered by standard liability insurance. Such is the case when you hit a wall, guardrail or tree.
  • Comprehensive Coverage: Comprehensive coverage pays out if your vehicle is damaged by weather, vandalism, animal collisions, and many other issues not covered by collision insurance or liability insurance.
  • Personal Injury Protection (PIP): PIP insurance covers you for medical bills and lost earnings, as well as other expenses resulting from injuries sustained in a car accident.
  • Underinsured/Uninsured Motorist Coverage: When you’re hit by an uninsured driver or a driver that doesn’t have the full liability coverage required, this form of insurance will step in. 

Ameriprise Auto Insurance Policy Features

In addition to all of the aforementioned coverage options, Ameriprise policyholders may also be offered the following, depending on the optional extras they choose and the state in which they reside:

  • Accident Forgiveness: Your first accident will not impact your claims if you have been claim-free for at least three years. However, this feature is not available in California, North Carolina or Kansas.
  • Stolen Key Coverage: This feature is covered under Ameriprise’s comprehensive coverage plan. There is no deductible for a lost or stolen key if the claim is for less than $250.
  • Towing Coverage: A form of roadside assistance that covers you for towing expenses.
  • Rental Car Reimbursement: If your car is being repaired or has been stolen, this coverage option will ensure you get back on the road quickly by paying for a rental car.
  • Travel Accident Cover: If you have an accident more than 100 miles from your home, Ameriprise will pay towards some of your expenses.
  • Glass Repair Waiver: If your windscreen needs to be replaced, a deductible will apply, but if it can be replaced then no deductible is required.

Ameriprise Car Insurance Discount

One of the best discounts offered by Ameriprise comes via wholesale club Costco. You can get a discount on your Ameriprise home insurance and auto insurance if you are a Costco member. That’s not all, either, as policyholders can also get all of the following discounts:

  • Garaging: A small discount offered to drivers who keep their cars locked in a secure garage overnight, as opposed to leaving it on the driveway. This can reduce the risk of thefts, vandalism, and weather damage.
  • Educational Discounts: Good student discounts are offered to young drivers who maintain a B grade average. There are also discounts available to students who live on campus.
  • Claims Free Discount: The longer you go without making a claim, the more you can save on your car insurance rates. Fewer at-fault accidents mean you’re a low-risk driver and a much more appealing prospect to all auto insurance companies.
  • Loyalty Discount: Stay with Ameriprise insurance for three years or more and you will be rewarded for your loyalty.
  • Defensive Driver Discount: Take a defensive driving course to improve your skills behind the wheel and prove yourself as a driver. In the process, you’ll get a slight discount on your Ameriprise insurance policy.
  • Safety Features Discount: Get a discount if your car has essential claim-reducing safety features such as seatbelts, anti-lock brakes, front-and-side airbags, trackers, alarms, and more. Anything that can reduce the threat of accidents, injuries, and theft can trigger big savings.
  • Accident Merit: As noted above, accident forgiveness isn’t offered in all states where Ameriprise is available. However, for the states where it’s not offered, drivers can still reduce premiums related to accident surcharges when they stay accident-free for a pre-determined period.
  • Bundling: Also known as a multi-policy discount, bundling is offered to policyholders who combine homeowners insurance and auto insurance.

Other Insurance Options

Ameriprise also provides homeowners insurance. One of the best features of this insurance option is replacement cost coverage, which means you’ll get the original value of any stolen items before deprecation is considered.

If you lose a $2,000 MacBook that’s over 6 months or a year old, you’ll still get cover for that $2,000, as opposed to the $1,500 or so that it might be worth now.

Ameriprise home insurance also provides identity theft protection (up to $5,000 in personal losses); food spoilage protection (up to $500 in lost food), and $100 in lock replacement cover.

Ameriprise Customer Satisfaction, Ratings, and Reviews

Ameriprise claims can be made 24 hours a day, 7 days a week. Policyholders can submit a claim online or over the phone and Ameriprise offers a very fast and streamlined process, giving drivers the chance to change details and review their cover via an online portal.

Ameriprise has a very high financial strength rating from AM Best and it also has the highest possible rating from JD Power. It has very good reviews from customers, but it has a poor rating from the Better Business Bureau, with numerous complaints and a low score overall.

Summary: Ameriprise Auto Insurance Review

Ameriprise is partnered with American Family Insurance, which means your policy may be underwritten by them if you go through Ameriprise. It’s one of the biggest auto insurance companies in the United States, offering extensive coverage, with relatively good reviews and ratings across the board.

As always, though, it’s important to get multiple insurance quotes before settling on any single one. Take a look at policies from providers like Progressive, Nationwide, GEICO, State Farm, and more, add as many discounts as you can, and make sure you’re getting the best possible deal before you sign.

Source: pocketyourdollars.com