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Friday, April 22, 2011

Are Auto Insurance Agents Obsolete?

Hardly. In the state of California any transaction involving insurance has to be purchased through a licensed agent. Although getting an auto quote online has grown in popularity, when it comes time to purchase the policy, the consumer still must talk to an agent. Auto insurance agents can help you save a lot of money, but if you're getting a quote from just one company, you're limiting your options.

An independent agent, who represents multiple carriers, knows each carriers available programs, and the discounts that they offer. This is important because not all carriers are the same. They each offer different coverages for different risks. The agent will ask you questions to determine what coverage will be best for you, finds discounts to apply, and then shops to find the company and price that best fits your needs. It is done in an instant quote that is usually faster than going online yourself and doing it solo.

What I've found interesting is that when I talk to potential customers who have gone online and gotten auto quotes, is that they usually don't understand the different coverages. In the end, they wind up at the mercy of the insurance company.

A knowledgeable independent agent can explain the different coverages and apply discounts to save you a ton of money. Just make sure you talk to a reputable agent. Ask friends for a referral to a good agent they might know. Some agents charge a fee, and some don't.

Formore information check out http://horizonincome.com/personal+auto.html

Friday, April 15, 2011

Motorcycle Insurance Discounts

Looking to lower your insurance rate? Follow a few of the tips below and you could save a bundle on your motorcycle insurance.

Each motorcycle insurance provider maintains different policies regarding rate discounts. To find these discounts you'll need to do some research, inquiring with individual insurance carriers about possible discounts and lower-rate incentives. Here are some ways to save now on your rate:

  • You're a homeowner.
  • You're married.
  • You have had no at-fault accidents during your previous policy period, or at-fault accidents in the last three years.
  • You complete an approved motorcycle safety course.
  • Your motorcycle is equipped with LoJack, an anti-theft tracking system.
  • You have a clean driving record, with no accidents or violations within three years.
  • You pay your policy bill in full rather than in monthly payments.
  • You have a history of paying your bills on time. Some carriers will run a credit report on you.
  • Bundle your policies, making you eligible for a multiple policy discount. This would entail, for example, combining your motorcycle with condo, homeowners, auto, or another motorcycle.
  • You switch to another insurance company. Some providers offer transfer discounts.
  • You're a member of one of the following motorcycle organizations: American Motorcycle Association, BMW Motorcycle Owners of America, Gold Wing Road Riders Association, Gold Wing Touring Association, Harley Owners Group, Honda Riders Club of America, Motorcycle Safety Foundation, or Motorcycle Touring Association.
  • You annually ride a limited number of miles.
  • You ride a certain type of bike. Cruisers, for example, have lower rates than sport motorcycles.
  • Work with an independent agent. Independent agents know their product and work with multiple carriers, to find you the coverage you need, at a price you can afford.

For more information check out http://horizonincome.com/motorcycles.html


    Auto Insurance Credits and Discounts





    You may qualify for credits and discounts

    Everything from your vehicle’s
    •  make
    •  model
    •  safety features
    to your driving record and annual


    mileage may have an influence on your auto
    insurance premium.

    Talk to your agent about the credits and discounts that may apply to you.
    Don’t forget you can also lower your premium by increasing your deductible.
     
    For more information check out http://horizonincome.com/personal+auto.html
     
     

    Thursday, April 14, 2011

    Toyota Grand Prix of Long Beach April 15-17, 2011 Free Ticket


    The IZOD IndyCar Series is offering race fans a winning deal: two races for the price of one!

    Fans who purchase a Sunday, April 17 ticket to the 37th Annual Toyota Grand Prix of Long Beach – or a race day ticket at any other IndyCar event this season - can get a FREE Sunday General Admission ticket good for unreserved seating at the IZOD IndyCar World Championship race on Oct. 16 at Las Vegas Motor Speedway.

    At Long Beach, ticket holders can claim their Las Vegas race ticket from Friday through Sunday, April 15-17 at the IZOD IndyCar Fan Village in the free Lifestyle Expo.
    In addition, fans can take their Toyota Grand Prix of Long Beach ticket to Las Vegas Motor Speedway on race weekend and get their free Sunday General Admission ticket on-site.

    In each of the past four years, the IZOD IndyCar Series Championship has gone down to the final race of the season, with Dario Franchitti eyeing his third straight title in 2011.

    Tickets for the Toyota Grand Prix of Long Beach, featuring six racing events including the IZOD IndyCar Series, can be purchased from the Grand Prix ticket office by calling toll-free at (888) 82-SPEED, or you can select your seats online and print your tickets at home for no additional charge by visiting gplb.com. A ticket brochure – which includes circuit map, grandstand and parking locations, ticket prices and order form –can be obtained online or by calling the ticket hotline.

    For more information http://horizonincome.com/personal+auto.html

    See you there!