Posts in category Auto Insurance Questions
Can I Negotiate For A Lower Car Insur...
¬¨‚ĆQ: Can I negotiate a lower car insurance rate with my insurance company? I don’t like how much I’m paying.
AIS Answer: As a general rule you can’t negotiate a premium that the insurance company has given you as a binding quote on a policy because the quoted premium rate is based on your individual risk and the total amo [...]
Looking For A Good Car Insurance Comp...
Q: I’m looking for a good insurance company. I’ve spent the last few years with a company that I’ve faithfully paid on time and they’ve denied a recent claim. So, now I need to find a good company to insure my car with.
AIS Answer: If you want to find a good insurance company, it helps to ask around. Talk to people tha [...]
When Is The Best Time To Switch Auto ...
Q: When is the best time to switch auto insurance companies?
AIS Answer: Anytime! Ok, well, within reason. If you’ve just started an insurance policy you’ve likely already paid a significant portion of your premium on the first payment – or if you’ve paid in full then you may want to wait until your policy is about to [...]
New Zip Code In The Same City Made Ca...
Q: When I moved to a different zip code in the same city my rates went up, that doesn’t sound right. Is there a reason why my car insurance bill was higher in the same city?
AIS Answer: If nothing had changed on your driving record or coverage’s between policies, then your new zip code is likely the reason for the rate increase.
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Can I Drive My Friends Car if I Have ...
Q: Can I drive my friends car if I have car insurance but they don’t. He seems to think that it’s ok to let me drive it because I have insurance.
AIS Answer: If you have current automobile insurance, you can drive most street legal vehicles – but, if that specific vehicle isn’t covered under an existing insurance polic [...]
What is Adverse Selection?
Q: What is adverse selection?
AIS Answer: Adverse selection is a term in the insurance industry that essentially means those who are poor risk’s need insurance more than those who are better risks.
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Auto Insurance Payment Methods: Pay o...
Q: I’ve always paid my auto insurance bill on my credit card over a period of 4 months and it seems to be a lot higher than the premium the insurance company stated once I add the monthly payment fees and credit card interest. Should I go for a monthly payment plan and mail in a check? Pay the whole thing over the phone with my debit ca [...]
How do I file an auto insurance claim...
Q: How do I file an auto insurance claim online I’m with State Farm.
AIS Answer: Whether you’re with State Farm or another company, the claims process is similar, in which it involves describing the accident and providing any proof of fault.
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New Jersey Driving Without Car Insura...
Q: What is the fine for driving without car insurance in New Jersey?
AIS Answer: The fine for driving without car insurance in the State of New Jersey varies by offense, aside from the fine and penalties it’s a huge risk to drive without at least the minimum requirements, and even then, that coverage is often not enough for most driver [...]
Is AIG and 21st Century Auto Insuranc...
Q: Is AIG and 21st Century Auto Insurance the same company?
AIS Answer: Yes, and no. Technically AIG owns 21st Century Insurance Group and while they were two different companies that operated independently writing car insurance policies (Though AIG did have a large stake 60% in ownership), AIG now owns 21st Century Insurance Group and has re [...]