0 Liberty mutual auto insurance - Review and Details

Liberty Mutual Auto Insurance - What is Liberty Mutual?? Have you known about it?? Okay, Liberty Mutual is a Insurance Company that have Established since 1964. That company have mission to enable a national Network of Liberty Mutual Insurance.

As a fortune 500 Company and with assets of more than $100 billion, Liberty Mutual is listed as the third Largest property and casualty insurance company in the United States. This insurance Products include Auto, home owners, Workers compensation, commersial auto, and group disability insurance among others.

Auto Insurance Products

img src: www.yearterm.com

At liberty mutual insurance, you can buy policy (12 month Policy Term) with the following types of auto coverage :

- Liability

- Medical Payments

- Personal Injury Protection

- Uninsured/Underinsured Motorist

- Comprehensive

- Collision

- Towing/Labor

- Roadside Assistance

They offers many features, benefits, and discount customers may find attractive when purchasing an auto policy :

Accident Forgiveness – Your first accident will not increase your insurance premium (not available in CA or NC).

New Car Replacement – If you total your car in the first year of ownership, you will be compensated for the replacement value for a brand new car. Your policy deductible still applies and leased autos are excluded. This option is not available in NC or WY.

Better Car Replacement – This is an optional coverage which allows you to replace your car with one that is one year newer if the vehicle has less then 15,000 miles.

Unlimited Rental – While most companies offer rental coverage, Liberty Mutual offers something a little different. You have unlimited rental coverage as long as your car is repaired at a Liberty Mutual-approved repair center.

Multi-Policy Discount – This discount is available if you insure both your home and car with Liberty Mutual.

Mechanical Parts Replacement – Mechanical parts replacement coverage means that no matter how old your car’s parts are, they are covered when you have an accident and your car is repaired at an approved repair shop.

Car Windshield Repairs – The company can schedule windshield repair at your convenience as long as you have comprehensive or glass coverage. Someone can come out to your home, place of employment or another convenient location.

Towing/Labor & Roadside Assistance – This is available with the towing/labor coverage and available 24 hours a day. With the towing/labor option, Liberty Mutual will pay the entire towing charge if your car is towed to the nearest repair facility approved by the company.

that's little review about Liberty mutual auto insurance , if you wanna more informations and details, you can visit the official website at www.libertymutual.com. Thanks

0 American Family Insurance - Review and Details

American Family Insurance Review Details - Hello everyone, Do you know about American Family Insurance ?? or you have it already?? or maybe you looking for detail about this company?? here i will share review about it that i take from viewpoints.com .

American Family Insurance offers a decent range of coverage for renters insurance, in both property to protect your belongings and liability to cover you should a visitor to your rental unit injure themselves.

However, this home and contents insurance lacks a few features and services offered by higher-ranked competitors on our list. Moreover, American Family Insurance offers renters insurance in only 19 states. These are Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.

here is several review from people at viewpoints.com :

-  Karikin22 said : "I really don't have a lot of issues (so far) with American Family. We have a great agent and it's a small company so they are quick to help us with any of our concerns. I have shopped around for some other quotes recently and Allstate seems to be the only one out there that can match and/or beat the prices we're paying right now. However, it's not too much of a difference. I have been with AmFam for over 5 years now and haven't had any issues with them. When you do shop around and if you are leaning toward American Family - then look into the agent themselves that you will be dealing with. They may be part of the company but the individual way they handle things can completely differ. The agent really does make a difference."

- cpeg85 said:"My family and I have been with American Family for years. My parents have had insurance with them for a really long time and then I got insurance with them when I became old enough to drive. I got into a wreck and the deductible cost was very affordable and there was no wait. My car was in the shop being fixed in no time. Of course, my rate did go up a bit but after some time with no accidents, it went back to normal and is very affordable. I think that it's possible that I've had a better experience than some because I live in a small town and I only have one American Family agent that I do business with. Both him and his secretary are VERY nice. They always call us by our first names and treat us like family. That is one of the biggest reasons I would never want to go anywhere else for car insurance. With other places it seems like you are just a number and not a person. I'm not sure of how American Family agents are in bigger cities but in my small town with my agent, I'm a very satisfied customer."

- Boogadere said : "I have been with American Family since I first started driving. I have hit deer, LOTS of deer, and had to file claims and working with the agents is a breeze. My local agent is a super guy. Most times when I go in to pay a payment he and his wife are there and usually have a free gift to give out. I had car troubles and called about getting a rental car covered under my policy. There was a new gal working and she misinformed me. My previous agent called after I had already paid for out-of-pocket for a rental for a week and told me there was a mistake. Not having had much money at the time I was more or less devastated! He got me a refund! They go to bat for you. I am not sure I could get insurance any less anywhere else or have as good of service!"


American family insurance does not let you add endorsement online. That's the Ability to increase coverage amounts for certain item such as Jewelry, silverware, firearms, and others. when calling the general customer service phone number listed on the company's website, we were reffered to the local agents. Representative effectively handle only auto insurance at the national line.

Over all, American Family insurance have A rating, or excellent from insurance rating leaders A.M. Best. That's solid information, but  not as good as the A+ and A++ Ratings, Both wich are categorized as superior insurance.

1 5 Best tips on choosing car online insurance

5 best tips on choosing car online insurance - Hy every body, in the first post i will share tips on choosing best online insurance for your car. ya, so many company offers cheap quote but which company does give you best service?? help you to choose the best, here is the tips :

1. Don't Go By Price Alone

Take a close look at the terms of your policy to ensure it matches your last auto insurance policy, and that you're getting an equivalent amount of coverage (or at least the minimum amount required by law in your state). Examine the terms of the agreement to make sure the company don't require the use of cheaper aftermarket materials for repairs instead of the original factory parts, which can pose safety hazards [source: Consumer Reports].

you can refer to consumer satisfaction database on any website like ConsumerReports.org . you must also check that your insurance company is financially stable before purchasing the policy.

2.Visit your state insurance website

Basis of auto insurance is regulated state by state, and your insurance state usually has a bunch of relevant information that you need. many insurance departement also provide complaint indexes, wich highly number of consumers complains upheld again a particular company versus the number of policies that they have issued. This all information can be valuable in determining wich company to choose.

3. Shop around

You must take a look at your auto insurance policy every year to find out how much you have paid at premium. The cost of the same policy can vary widely between company based on factor like how much  the company spends on advertising, commissions paid to the agent, and the risk level of the company's pool of insured drivers.

4. prepare before you Search

Make sure you have prepared with all of the information that you need for getting an accurate insurance quote. Take stock of your car's make, model, year, VIN (vehicle identification number) , the ZIP code where you park the car at night and any after market safety or anti-theft accessories installed on the car.

There are a few steps you can take to get lower insurance premiums, as well. Tally up the number of miles you drove this year versus the previous year -- a significant decrease in the mileage you drive might help you get a lower quote. Consider completing a defensive driving course online, insuring multiple vehicles (or your home) through the same insurance company or looking for a plan with a higher deductible. You might even want to eliminate certain types of insurance not required by law in your state; you could forego collision and comprehensive coverage on very old cars, for instance [source: Insurance Information Institute].

5. Searching Online is Just one Option

You can purchase a policy at person through agent . A licensed individual who sells policies on behalf of one or more insurance companies.

According to 2011 survey, just 20% of new auto insurance policies were phurcased online. However the number of phurcased online represents an increase of 5% from just 2 years before. while the number of agent purchases represents a 6 percent decline.

that's all 5 Best tips on choosing car online insurance
, i hope this article can be usefull for you choosing the best car online insurance. After all thanks for visiting my blog.