Where Can I Buy Cheaper Auto Insurance?

Auto insurance has become an essential aspect of the modern world. It is no longer a big deal to buy a policy. Consumers have several options in terms of where to buy it. Oftentimes, insurance agents compel customers to buy worthless auto insurance policies. Therefore, buying it online avoids overexcited insurance agents, which is perhaps a wise decision.

These providers grant sufficient time to customers to compare different quotes. It helps consumers to make smart decisions. With online insurance, consumers don’t have to call countless agents. No longer do you have to cross your fingers until you find a reputable insurance agent. Online auto insurers procedures help consumers to avoid falling prey to sales tactics of insurance agents.

Some of the biggest Online Auto Insurer Sites:

Mentioned below are some websites that offer online policies:

  1. Geico: This is probably the most famous of the big auto insurers. It has become famous for its caveman and gecko (a play on the name Geico) themed ads. Like virtually all other companies these days they operate a website. There you can get quotes for your auto insurance needs.
  2. American International Group (AIG): AIG is a leading international insurance service organization. It comes under the category of top ranked auto insurers in the United States. Its official members write down various auto plans for institutional, commercial, and individual consumers. It has jurisdiction across the world with numerous distribution channels spread across 130 countries.
  3. 21st Century Insurance: 21st Century Insurance is the seventh largest auto insurance provider in California. It claims to have insured approximately 1.4 million vehicles. It is popular in California for providing personal motorcycle, automobile and umbrella coverage. It also offers services in Washington, Illinois, Arizona, Indiana, Ohio, and Nevada. 21st Century Insurance makes much of its business through referrals of present auto policyholders. Annually, the average renewal rate of present policyholder claims to be over 93%. In 2003, it recorded $1.219 billion in premiums, revenues contributed $1.246 billion, and assets accounted for $1.7 billion.
  4. Progressive Group of Companies: The Progressive Group stands third in the country for offering auto coverage to more than 12 million consumers. It uses latest technology and innovative schemes, to improve the consumer’s experience. Again, as with all the other companies mentioned they offer quote services and more information on their website.

Auto Insurance Broker and Sales People:

Consumers can also buy auto insurance policies from any auto insurer’s brokers or a sales people. According to law, it is essential for these sales people or brokers to have a license. By law, a sales person works for a particular company. They are accountable to provide information about different types of coverage offered by their company only.

Whereas, a licensed broker has the legal authority to sell policies of various auto insurance companies. According to their client’s budget, brokers help to choose the best deal.

However, these days you don’t even need to go to the trouble of consulting a broker since you can get all the same information online. In fact you can get quotes from all of the companies mentioned above and more simply by visiting one of the pages below.

Auto Shipping To Hawaii

Hawaii poses a unique set of challenges to shipping an automobile. The import procedure is the same as anywhere else in the United States but the actual physical delivery of the vehicle requires some additional work.

Hawaii, even though it’s considered one state, is made up of five separate islands that all have a different port of call. If you are moving to one of these islands you can’t just tell a shipping company that you need auto shipping to Hawaii. It’s necessary to be more specific.

The main port of entry for imports is Honolulu at the island of Oahu. This harbor services the capitol city and is the normal import point for most goods that are brought into Hawaii by ship. If you are auto shipping to Hawaii and you have your vehicle sent to Honolulu it is possible to transport it to another island by ferry without having to pay another duty or import tax.

Other available ports are Hilo on the island of Hawaii, Kahului on Maui, Kawaihe on Hawaii, Nawiilwili on Kauai, Kaunakakai on Mologai and Kaumalapau on Lanai. If you are going to Hawaii for the first time check with your shipping company to make sure you send your car to the port nearest to where you will be staying.

Taxes and fees for auto shipping to Hawaii differ based on the point of origin. If you are shipping from another state and have already paid excise tax in that state there will be no additional duty when you reach Hawaii. The exception to this is a purchase of a vehicle made less than ninety days before shipping. If your car is a new acquisition you will have to pay a Hawaii use tax unless you can prove that it was purchased to be used elsewhere and the auto shipping to Hawaii is incidental.

If you are importing a car from another country into Hawaii you will be subject to duty tax assessed by the United States Customs office. As with any other international import, remove all personal items and anything that might be considered a taxable or contraband item from the vehicle before shipping. Your auto shipping company should be able to tell you what the import tax will be when you reach Hawaii.

Car dealers and military personnel are the only people not subject to a use tax in Hawaii, but they may be subject to import or duty tax depending on the number of vehicles being shipped. This is the area where it becomes crucial to have a reliable auto shipping company handle your affairs. Find someone with experience and knowledge in the area of fees and services when you ship a vehicle. It’s going to be expensive no matter what you do, but a quality shipping company can help you avoid unnecessary costs and headaches.

International Auto Insurance USA – How to Find Auto Insurance For International Travelers

In today’s world-wide marketplace, businessmen need to conduct transactions and address business concerns regarding foreign countries, requiring trips and accommodations abroad as an accepted part of their work. International visits can be short or extended, depending on the reason for the visit. Longer stay, of course means more expensive and more extensive living arrangements, commodities, and also the purchase of international insurance. For shorter visits you may also need a new insurance.

It’s important to procure proper insurance, such as international auto insurance, when your current insurance company won’t cover you abroad.

Most people, especially working people, consider personal transportation to be a necessity. These people do not want to squander time or money by utilizing unfamiliar local transportation that is not covered under insurance and cannot ensure protection. If you are renting an auto, buying a vehicle, or moving your own car to a different country, you will definitely need the right car insurance to cover the whole process, which based on the local driving law and regulations on insurance.

Even though coverage requirements and laws are different for each country, you can easily purchase quality international auto insurance. You can purchase additional coverage in the country you are traveling to.

Although, while being abroad, international auto insurance will normally provide you with enough coverage, some countries, like Mexico for example, require you to buy a specific insurance in the country itself.

You should also get additional international auto insurance as a vehicle passenger, which you will most likely find yourself as at on point or another, especially those that will cover medical costs in cases of accidents or personal bodily injuries. Taking a cab can end up costing a lot more than just the fare and tip in some nations. There are many countries, like Korea, which do not require limousine or cab companies (or anyone else for that matter) to carry insurance on the passengers. This means, that if you are the passenger, in an event of an accident the driver is not required to pay for your medical expenditures. It is best to additional insurance as a passenger just to be safe.