When seeking cheap insurance for your automobile, it's important to research multiple providers before deciding on a single company. Many car insurance providers offer discounts for various reasons. No two are alike. But there are also a few that promise better rates, but give terrible service when you need to file a claim. If you're in the market for car insurance, here are five ways to determine which providers are dependable and affordable and which ones should be avoided.
1. Use the Web
Comparing insurance rates and companies has become quite easy within the past few years thanks to the hundreds of Internet auto insurance resources. You can easily compare providers, the policies being offered and the available rates using only one rate comparison site. This can help you find at least a few providers that cater to your needs at rates you can afford. Then you can research further to make sure the companies are reliable and offer the high caliber service you desire.
2. Check Your State's Car Insurance Data
Determine if certain providers have a good standing with your state's Department of Insurance. Most states offer information at the Department's website, so you can check there to make sure the provider you are considering is in good standing with very few or no consumer complaints. The Department's website is also a good place to find data and statistics for your area, which are often used by insurance companies to determine car insurance rates. You'll notice that some providers offer cheap auto insurance to certain types of drivers, such as mature drivers, teen drivers, those that are homeowners, high risk drivers, etc. This means that not all providers will offer cheap insurance to you, but some will.
3. Get Opinions from Others
A great way to determine if a provider offers good customer service is to read the opinions of other consumers. Read the Consumer Reports magazine to find surveys about particular companies, or research forums and discussion groups online. Check out what others are saying about the potential providers on your list. A common complaint among consumers is that a provider offered a cheap insurance premium and promised many benefits, but did not deliver. But be careful...don't base your decision on the opinion of one or two people. Keep an open mind and consider how the majority of people feel about the company. Read about others' experiences with claims from the provider and how well or poorly they were treated.
4. Visit a Few Local Car Repair Shops
Repair shop owners and managers will usually know which insurance providers are reliable. They have to deal with car insurance matters on a daily basis and can let you know which providers pay claims promptly and which ones give the most trouble. They are also exposed to consumer complaints and praises of providers on a regular basis.
5. Check Financial Ratings
Car insurance companies are rated by their financial standing to determine stability and how equipped they are to handle the number of claims expected. If a provider is financially unstable, it may fold if the number of claims exceeds a certain amount. This means you could be left without car insurance after investing time and money into the company. Financial ratings are offered by A.M. Best and Standard & Poor.
Take these five tips to heart while searching for cheap car insurance. You'll have peace of mind AND cheap insurance without the hassle of a not-so-good provider!
Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.
Learn more about Cheap Insurance.
Filed under auto insurance price quote by on Jul 3rd, 2010. Comment. 
If government mandated health insurance is unconstitutional, why is it the law in Massachusetts?
...and why did court cases challenging the Massachusetts health insurance mandate get thrown out of court?
http://www.mass.gov/?pageID=cagoterminal&L=2&L0=Home&L1=Health+Care&sid=Cago&b=terminalcontent&f=healthcare_mandatory_health_insurance&csid=Cago
http://en.wikipedia.org/wiki/Massachusetts_health_care_reform
Some of you may not realize that the 14th Amendment assures that if it is unconstitutional for the federal government to do it, it would also be unconstitutional for the state to do it.
The 10th Amendment has no application, even under the interpretation that conservatives try to impose on the 10th Amendment.
Because thats state law, totally different than federal law
EDIT:
Actually you are wrong- The federal govt cannot pass a bill that favors 1 state or group of people. The state govt can do that, hence the bans on smoking indoors- bars restaruants in nyc, and bans on gay marriage. Its not unconstitutional for the state to impose those laws but it is for the federal govt to do so. Federal and state govt are 2 totally separate entities with separate sets of rules and ruling bodies
Filed under Health Insurance by on Jul 2nd, 2010. Comment.
My mother is dying...can I save her life?
My mother is sick. She was diagnosed with Elephantitis and her thyroid is inactive. Her legs are so swollen she can not stand more than ten seconds and she is huge. She is dying. We live in Maine. To recieve MaineCare (Free health insurance given by the state), you have to qualify. To qualify you must be 21 or younger, pregnant, have children, or be 65 or older. My mother is 55 and her children are all grown. Legally, the state has to treat her on an emergency basis. They do not, however, have to cure her without money or insurance. She doesn't have money or insurance. She is dying. Is there anything I can do to save her life? Maine is by far THE MOST FUCKED UP STATE.
Contact the resources listed on this link....
http://www.meritcare.com/healtheducation/healthwise/showtopic.aspx?module_abbrev=NORD&pd_hwid=nord689&sec_hwid=nord689-Header
Good luck!
Filed under Health Insurance by on Jun 23rd, 2010. Comment.