Partnering With a Good Car Insurance Company

Insurance is generally provided to an individual who pays a monthly premium to an insurance company which in turn activates an insurance policy. An insurance policy will pay the individual a set amount of money when an unforeseen accident causes damage to the insured property. An example could be a fire in a home with the insurance policy paying the insured home owner a set amount of money based on the policy.

Additionally, there are many types of insurances available on the market today. Some of those types of insurance can include home insurance, medical insurance, life insurance, etc.

One other type of insurance is car insurance. Also, it is important to remember that there are many car insurance companies. Therefore, it is important to know how to find a car insurance company and questions to ask of a car insurance company.

How To Find A Car Insurance Company
There are many ways that an individual can utilize in order to find a car insurance company. Specifically, two popular methods of contracting with a car insurance company include locating an insurance company locally or by utilizing the Internet.

Therefore, if an individual wishes to conduct business with a local car insurance company they can obtain local references. Those references for a local car insurance company can be derived from co-workers, friends, family, etc. Often these references are valuable because they come from customers of these insurance companies and are from people that may be trusted.

Additionally, conducting insurance business with a local car insurance company may be the best car insurance company to buy insurance from for a number of reasons. Specifically, one of those reasons includes receiving personal customer service from an insurance agent who represents the insurance company locally.

Questions To Ask Of A Car Insurance Company
When shopping for insurance it is important to ask a number of questions in regards to the automobile policy. These questions pertain to the rates and possible discounts offered by the car insurance company and help the potential customer receive the best coverage at the lowest rates.

Some of those questions should include any discounts offered by the insurance company. For example, the customer should ask about a discount in the premium cost if the individual has taken a defensive driving course.

Or other discounts may be offered if special safety equipment is installed on the vehicle that is to be insured. For example if a car theft or GPS system is installed there may be a discount offered on the insurance premium due to these protective devices installed to deter auto theft.

Price and Quality: Car Insurance Company Comparison

One place to start researching when doing a car insurance company comparison is to go to the state’s department of insurance where there will usually be a listing of the different car insurance companies along with the customer complaints ratio that have been launched against that company. It is also useful to check the same companies on other state’s websites as well since a company might be doing fine in one state because they do not have as many customers there, but are horrible in another state and individuals need to be aware of any problems.

Another place to research a car insurance company comparison is to go to J.D. Power’s Consumer Center. This company does research on the different car insurance companies and collects data from their customers on all aspects of how the company does business. In this way they can give the companies marks on how well they do in customer service, handling claims, and the pricing for the different plans according to the research from their customers.

There are also financial ratings on the different car insurance companies, comparing their strength in the market today. This helps to give the individual comfort knowing that the company indeed has enough money to pay out on a claim, rather than resisting it because the company itself is in financial trouble. These ratings can be found at A.M. Best or Standard & Poor’s. Another place to find out information from a knowledgeable source is to work with an insurance agent, usually one that is an independent agent who will sell policies for many different companies rather than just one. That way the agent is more apt to give unbiased information regarding the strengths and weaknesses of the different companies so that the individual can get a better car insurance company comparison. One other place to gather information from an unbiased source is from a body shop, since they have to deal with car insurance companies and their customers on regular basis and are familiar with the complaints that come with each company.

Things to Consider When You Compare Car Insurance Quotes

If you’re in the market for car insurance, you know that rates vary depending on where you get your quote. Some charge more for one thing – like being a male under 25 years of age who is unmarried, for example. Others pull your credit report – which can affect rates positively or negatively, depending on your financial history. It is important to compare car insurance quotes, rather than just pick one at random, or because it is cheap car insurance.

For some companies, you can get a quote online for free. This quote often does not take into account specifics of your situation, but it can be a good place to start. When you actually buy the policy, the rate can change once they discover, for example, that you have a teenage son you thought you could just leave off your policy – most insurers won’t let you do that, since he is a potential driver of the car.

For other companies, you will need to either call or sit down with an agent in his or her office. They can explain the various aspects of a policy – liability, comprehensive, collision – so that you know what it is you’re getting. They can also make sure you are being realistic with the coverage you choose. Many people automatically choose the least amount of coverage offered, so that they “have coverage”, not taking into account that the minimal amount is only a drop in the bucket of the amount needed in an average auto accident.

After you have a couple of car insurance quotes in hand, compare them. Not just by price, but by a whole host of other things.

Quality Of Company
First, think about the different companies you’ve got car insurance quotes from. Compare the reputations of the companies. Is there one you trust more than the other? Or one that is known for their excellent customer service, or response to issues? There are sites online that rate car insurance companies by issues such as these – you might consider checking what customers think of them. Also, look at how your payments are made. Do you have to mail them in? Many customers like being able to pay their bill on line, day or night. For them, an online company is more useful. They can also make changes to their coverage whenever they want, and see updated rates instantly.

Apples To Apples
When comparing quotes for car insurance, be sure you’re comparing like coverage. For example, if the ABC Insurance company is giving you an rate of $100 a month and XYZ wants $120, your instinct may be to go with ABC because it costs less. Wait! Read the rest of the quote! If ABC is quoting coverage of 25/50/15, that’s not nearly as good a deal as the XYZ’s quote for 100/300/100. Gotta be sure both companies are quoting the same amount of coverage – otherwise, you might not get the insurance you think you want.

Of course, if all else is equal, consider price. Pricing can vary widely between companies, especially if you are a “harder to insure” customer. If you have had a suspended license, or accidents, or allowed your insurance to lapse for some reason, those things will count against you. The same goes for being a young, inexperienced driver, or for being a young male. How much it counts is up to the individual car insurance company. Compare the quotes. If coverage is the same, some companies will just plain offer you a better rate.

How To Safely Dispose Of Rx Drugs

According to the White House Drug Policy Office, prescription drug abuse among 18 – to 25-year-olds rose 17 percent from 2002 to 2005. In 2004 and again in 2005, there were more new abusers of prescription drugs than new users of any illicit drug.

Young people mistakenly believe prescription drugs are safer than street drugs, doctors say. But accidental prescription drug deaths are rising and students who abuse pills are more likely to drive fast, binge-drink and engage in other dangerous behaviors. Parents should be alert to these signs and changes in behavior.

Al Gore III’s arrest may raise awareness among parents, said Dr. Donald Misch, director of health services at Northwestern University in Evanston. “This is an opportunity for people to understand this is happening in your household,” he said. “These are your kids. The drug dealers they’re going to are their doctors, their parents and their friends.”

Parents should clean out their medicine cabinets and lock up any prescription medications. This is more than likely customary in homes with toddlers but is advisable no matter the age of the child, just to be safe. This would also prohibit giving them to friends if your child isn’t a user.

Deputy drug czar, Scott Burns stated: “We found in focus groups of young people across the country that in large measure they’re getting the drugs from their own medicine cabinets and the Internet. Some Web pharmacies deliver ordered drugs without legitimate prescriptions, but other sites steal credit card information and never fill orders, Burns said.

With the rise in prescription drug abuse, three federal agencies issued guidelines earlier this year for disposing of medications without harming the environment.

1. Remove unused, unneeded or expired prescription drugs from their original containers.

2. Mix prescription drugs with an undesirable substance, like used coffee grounds or cat litter, and put them in impermeable, nondescript containers, such as empty cans or sealable bags.

3. Throw containers in the trash.

4. Don’t flush prescription drugs down the toilet unless the accompanying patient information says specifically it is safe to do so.

5. Return drugs to pharmaceutical take-back sites that allow consumers to return unused drugs for safe disposal.

Sources: White House Office of National Drug Control Policy, Department of Health and Human Services, Environmental Protection Agency.

Author’s Note: A pharmaceutical sales representative can increase sales by volunteering to return expired or outdated medications for the wholesalers in their territory. This can be a daunting task for their employees. Offering customer service at this level is rare and not expected. This also gives the drug rep an idea of the inventory on hand and an opportunity to help sell their medications. The wholesaler can offer specials to the retail drug stores on your proprietary pharmaceuticals.