I bought a small 18' boat to take the family fishing with. My insurance carrier doesn't have boat insurance so, they refered me to Progressive (I will take this up with them later). After 5+ years of never filing a claim and paying them for coverage, I had to file a claim when my throttle lever was jamming and unable to shift.
My boat only has like 25-30 hours on it and gets detailed every time it gets used. Non the less, I took my boat out of the water and towed it to my local repair shop. It turned out that moisture intrusion caused the problem with the gearbox. I know what you are thinking...it's a boat! Well, the fact is that it was mechanical failure as per the troubleshooter, mechanic and supervisor of the shop (authorities in this matter). This is the only reason I filed the claim. Progressive sent their "photographer" and the "non-authority in this matter" decided that it was my personnal fault. First off, I baby my boat and will never think to abuse it. My family and I love using our boat and want it to last. Anyway, almost $1,000.00 to repair my boat. I asked the insurance people we were tossed between if the personnel making the assessment were mechanics or certified to override the decisions of a "certified mechanic". After giving me all the run around, they never gave me a direct answer other than, "you are not going to be covered for this claim". Do I feel ripped off? You bet I do! Am I going to quit this insurance company? You bet I am. Would I recommend this insurance to anyone? You bet I won't. This is the kind of stuff that give insurance companies a bad name...and it should. I plan on making sure everyone knows of what they have done. To override the decision of a certified mechanic who specializes on my specific brand and type of boat. Ridiculous!!
Sabtu, 04 September 2010
Kamis, 10 Juni 2010
Cheap Car Insurance
Cheap car insurance rates may have been hard to find a few years ago, but these days thanks to the many products that are on the market and the internet finding cheap car insurance isn't as difficult as you might think. Here are just a few tips that will help you find the best car insurance rates. If you are looking for quotes right now, use our online quote form to compare up to five quotes quickly.
Shop Around
The car insurance market is large and companies selling auto insurance are just as plentiful. You can ask family and friends for a recommendation. You can use the phonebook to find local agents. But the best option is to request an online quote.
Actually you need to obtain three quotes and you need to make sure that you are comparing oranges to oranges so that you can really tell who is offering you the best rates.
Online has been very helpful in finding the best auto insurance rates around, and it's also allowed one to effectively compare quotes.
Ask For Discounts
Many times an agent may neglect to mention that there are discounts you can earn, so don't be afraid to ask. Discounts can provide you with substantial savings and there are all kinds of ways to earn those discounts. They might be offered if you've taken a defensive driving program, had no accidents or motor vehicle infractions, have an alarm systems, have a vehicle equipped with anti-lock brakes, and even the number of years of driving you have, are just a few ways that you might be able to earn a discount. So be sure to ask.
Compare Cheap Car Insurance Quotes
Enter Zip Code
Consider Your Coverage
There are different types of insurance coverage that you can purchase for your car. There's no question that it's important for you to have the right insurance. But it's also important that you aren't purchasing coverage you don't need.
You might consider whether collision coverage also called physical damage is worth carrying. On an older vehicle that doesn't have much value and that you would never consider fixing or replacing if it was damaged, you should consider dropping the collision coverage and enjoy the savings.
Safe Driving
There is simply no better way to save than to have a safe driving record. Statistics show that good drivers are far less likely to be involved in an accident than poor drivers are, and thus you are rewarded with quality cheap car insurance if you have a clean driving record.
You Pay For What You Drive
Different types of vehicles have different premiums associated with them. For example, sporty cars usually have higher premiums associated with them, where as a car that's very safe and has an excellent history of low injury in an automobile accident will generally offer you cheap car insurance.
Before purchasing a vehicle, you should get an insurance quote and then decide if you still wish to purchase that vehicle. Some accessories such as anti-lock breaks, a recognized alarm system, or airbags can also result in substantial savings.
Reduce The Distance
Just by driving less miles every year you could find yourself with a significant savings. How much depends on the insurance company but do make sure you ask.
Car Pool Or Use Transit
Some companies also offer cheap car insurance if you do not drive too and from work which are high-risk periods for an accident. How much you save will depend on where you live. Car-pooling is often one way to at least enjoy some savings since everyone in the car pool is on the road less time.
Online Quotes
One of the most powerful tools you have at your fingertips is the internet. Using our online forms you can request online quotes and compare rates between companies. Online makes shopping for auto insurance a lot less painful and it certainly makes it much easier to find cheap car insurance.
Now the only question left is why not get busy now, find cheap car insurance online, and start saving.
Shop Around
The car insurance market is large and companies selling auto insurance are just as plentiful. You can ask family and friends for a recommendation. You can use the phonebook to find local agents. But the best option is to request an online quote.
Actually you need to obtain three quotes and you need to make sure that you are comparing oranges to oranges so that you can really tell who is offering you the best rates.
Online has been very helpful in finding the best auto insurance rates around, and it's also allowed one to effectively compare quotes.
Ask For Discounts
Many times an agent may neglect to mention that there are discounts you can earn, so don't be afraid to ask. Discounts can provide you with substantial savings and there are all kinds of ways to earn those discounts. They might be offered if you've taken a defensive driving program, had no accidents or motor vehicle infractions, have an alarm systems, have a vehicle equipped with anti-lock brakes, and even the number of years of driving you have, are just a few ways that you might be able to earn a discount. So be sure to ask.
Compare Cheap Car Insurance Quotes
Enter Zip Code
Consider Your Coverage
There are different types of insurance coverage that you can purchase for your car. There's no question that it's important for you to have the right insurance. But it's also important that you aren't purchasing coverage you don't need.
You might consider whether collision coverage also called physical damage is worth carrying. On an older vehicle that doesn't have much value and that you would never consider fixing or replacing if it was damaged, you should consider dropping the collision coverage and enjoy the savings.
Safe Driving
There is simply no better way to save than to have a safe driving record. Statistics show that good drivers are far less likely to be involved in an accident than poor drivers are, and thus you are rewarded with quality cheap car insurance if you have a clean driving record.
You Pay For What You Drive
Different types of vehicles have different premiums associated with them. For example, sporty cars usually have higher premiums associated with them, where as a car that's very safe and has an excellent history of low injury in an automobile accident will generally offer you cheap car insurance.
Before purchasing a vehicle, you should get an insurance quote and then decide if you still wish to purchase that vehicle. Some accessories such as anti-lock breaks, a recognized alarm system, or airbags can also result in substantial savings.
Reduce The Distance
Just by driving less miles every year you could find yourself with a significant savings. How much depends on the insurance company but do make sure you ask.
Car Pool Or Use Transit
Some companies also offer cheap car insurance if you do not drive too and from work which are high-risk periods for an accident. How much you save will depend on where you live. Car-pooling is often one way to at least enjoy some savings since everyone in the car pool is on the road less time.
Online Quotes
One of the most powerful tools you have at your fingertips is the internet. Using our online forms you can request online quotes and compare rates between companies. Online makes shopping for auto insurance a lot less painful and it certainly makes it much easier to find cheap car insurance.
Now the only question left is why not get busy now, find cheap car insurance online, and start saving.
Minggu, 11 April 2010
Landscaping & Snowplow Vehicle Insurance
Progressive’s landscaping insurance includes snow plow insurance for small businesses. Progressive defines landscaping and snow plowing businesses as those earning income by providing landscaping or snow plowing services to residential or commercial properties. They may also earn income by delivering or selling firewood.
Landscaping and snow plowing businesses that typically need work truck insurance include:
* Lawn care installation or maintenance
* Tree trimmers
* Snow removal
* Firewood delivery
Seasonal Landscaping Insurance and Snow Plow Insurance For Small Businesses
In most areas of the U.S., landscaping and snowplowing are seasonal businesses. If your vehicles are stored during the off-season, you'll want to consider a Comprehensive Only policy. This type of landscaping and snowplowing insurance is not only extremely affordable, it saves you the hassle of having to cancel or renew your policy every season. Even better, Comprehensive Only insurance protects your vehicle during the off-season.
Ice Cream Truck Insurance
Progressive can help with insurance for ice cream trucks. Even with safety features such as extra mirrors and a safety arm, operating a moving vehicle loaded with sweet treats around children can be dangerous. That’s why insurance for ice cream trucks can be expensive.
Find out how Progressive’s insurance for ice cream trucks can save you money – and will protect you, your ice cream truck and your young customers. Call toll free at 1-888-806-9598!
More About Work Truck Insurance
Seasonal work truck insurance is often needed by small business that provide landscaping or snow plowing services. Another common seasonal coverage need is insurance for ice cream trucks.
Because your vehicle is often on-site at customer-owned locations, Liability insurance is important insurance for landscapers and for snow plow drivers.
Insurance options like Property Damage Liability coverage pay for damages if, for example, you accidentally scrape a customer's car with your snow plow.
Since you're essentially self-employed, you also may want to consider extra Medical Payments insurance, which can help you pay high-cost medical bills incurred as a result of an accident.
These snow plow and landscaping insurance options are vital to protect your business. Visit the business auto insurance section for a complete list of everything you'll need.
Landscaping and snow plowing businesses that typically need work truck insurance include:
* Lawn care installation or maintenance
* Tree trimmers
* Snow removal
* Firewood delivery
Seasonal Landscaping Insurance and Snow Plow Insurance For Small Businesses
In most areas of the U.S., landscaping and snowplowing are seasonal businesses. If your vehicles are stored during the off-season, you'll want to consider a Comprehensive Only policy. This type of landscaping and snowplowing insurance is not only extremely affordable, it saves you the hassle of having to cancel or renew your policy every season. Even better, Comprehensive Only insurance protects your vehicle during the off-season.
Ice Cream Truck Insurance
Progressive can help with insurance for ice cream trucks. Even with safety features such as extra mirrors and a safety arm, operating a moving vehicle loaded with sweet treats around children can be dangerous. That’s why insurance for ice cream trucks can be expensive.
Find out how Progressive’s insurance for ice cream trucks can save you money – and will protect you, your ice cream truck and your young customers. Call toll free at 1-888-806-9598!
More About Work Truck Insurance
Seasonal work truck insurance is often needed by small business that provide landscaping or snow plowing services. Another common seasonal coverage need is insurance for ice cream trucks.
Because your vehicle is often on-site at customer-owned locations, Liability insurance is important insurance for landscapers and for snow plow drivers.
Insurance options like Property Damage Liability coverage pay for damages if, for example, you accidentally scrape a customer's car with your snow plow.
Since you're essentially self-employed, you also may want to consider extra Medical Payments insurance, which can help you pay high-cost medical bills incurred as a result of an accident.
These snow plow and landscaping insurance options are vital to protect your business. Visit the business auto insurance section for a complete list of everything you'll need.
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