The advertisement sounded so tempting. All you had to do is be a member of Allstate Auto Insurance, and you will have accident forgiveness and if you don’t have an accident, you will gain 5% off your next six month premium. Wow, I had just switched to Allstate and now they were advertising something that I could actually use – a discount for being a righteous driver. I’m actually looking forward to my six month’s anniversary so I can see a reduction in rates.
Hmm…well, I finally received the paperwork on the modern idea, the advertising campaign that is supposed to beget Allstate better than all the other Auto Insurance companies! Turns out in order to regain the accident forgiveness allotment “Gold Protection Program” they charge you an additional $50 per 6 months, and if you do cause an accident, after joining they will deduct $100 off your deductable – After 4 years, you won’t have a deductable! You probably won’t have the same car either. Oh, and you’ll be out about $500 extra…so you do actually pay for the deductable, just before you have the accident.
The other program is called the Platinum Protection Program. With this one, you procure the same above benefits, plus receive a Safe Driving Bonus of 5% off your next renewal premium….sounds good? The catch is that your premium increases by $100 or more (depending on your contract). Sound to me that the only one who benefits is Allstate – at least for the first few years. They charge me $100 extra for the new program, and then at the next premium, charge me $50 extra. (reducing it by 5% or so…actually the fine print says “Up to 5%), so you may not actually receive the whole discount.
Assuming that my driving remains the same, no accidents, I get to be charged an additional $50 a month to possibly reduce a deductable that I may not ever need.
So the next time you see a commercial with the man with the assuring voice telling you how great Allstate is and how much money you’ll save with their current “Your Choice Auto Insurance’ – read between the lines. The insurance companies are really only out for themselves, it is an illusion that they are there for you.
Filed under Cheap Automobile Insurance by on Mar 14th, 2011. Comment. 
If you are like me, you want to find the cheapest auto insurance you can. The best way to find cheap auto insurance is looking on the Internet, making sure that you drive safely, and making sure to install safety features on your vehicle. After reading this article, you should know the best ways to earn cheap auto insurance.
The best way to find cheap auto insurance online is the internet. It allows you to be able to come by quotes for lots of different companies. Some of the biggest auto insurance companies allow you to compare rates with other companies, which give you an advance. Many companies provide discounts online that would not be offered at there residence. It is good to take advantage of any possible discounts available. The internet makes it possible for you to get a fast quote and check many different companies. It allowed me to find a very cheap price which I feel I would not have found if it was not for the internet.
When looking for cheap auto insurance you want to drive safely this is important. If you have a beneficial driving record, getting the best auto insurance quote is easy. Auto Insurance companies are very nervous to insure people who have a bad driving record. Most people will notice if you have a bad driving portray your auto insurance can nearly double or even triple. Many people who have a bad driving record will find themselves wanting to lie about it in order to get cheap auto insurance. It is always good to drive as safely as possible if you want to get a righteous cheap auto insurance quote.
If you really want to get cheap auto insurance then installing safety features in your car is a smart idea. Almost every auto insurance company will agree that this will cause less accidents and will stop more claims in the future. The anti theft feature is a marvelous thing to install on your vehicle. It prevents theft and keeps your car from someone stealing it and that way you do not need to file an insurance claim. If you shop around you can find many ways to keep your vehicle safe and you will find that this will also lower your auto insurance payments and back you save money. A lot of people don’t realize that this is a tremendous savings and can easy save them a lot of money each year by unprejudiced adding safety features to there car.
Finding cheap auto insurance can be a tough challenge but by following these simple steps, you can easily save hundreds every year on your auto insurance. The next time you feel that you are spending a lot of money on auto insurance go online and shop around, drive safely and add a safety system to your vehicle.
Filed under Cheap Automobile Insurance by on Feb 26th, 2011. Comment.
